The house bought by loan can be transferred. The parties need to handle it in the form of buying and selling, and they can only handle the transfer after paying off the mortgage. Usually, the remaining amount of the housing loan is paid off first, then it is listed and traded, and then the transfer is handled. In addition, in the sale of second-hand housing, individual housing can be sold or transferred to a third party, and individual housing loans can be applied to change the loan term, change the borrower or change the collateral. If the buyer is unwilling to buy the property with outstanding loan, the seller can use the bank loan to pay the remaining loan.

What should I pay attention to when transferring a loan house?

1. When a company purchases a private house, it is required to provide the original legal person qualification certificate of the company, the legal representative shall receive the power of attorney, and the trustee shall also provide the original and photocopy of the ID card;

2. If you want to handle the entrusted transfer. The client needs to issue a power of attorney or notarial certificate, and the client can only handle the transfer with the power of attorney or notarial certificate and the original and copy of personal ID card;

3. If the house has been leased, the buyer must ask the seller to provide proof that the lessee has given up the preemptive right when handling the transfer;

4. If the house has a * * * owner, the buyer shall require the seller to issue a certificate that the * * * owner agrees to sell and a certificate of the * * * owner, or the * * * owner shall be present to sign the contract and handle the transfer;

5. If the house is purchased by the court, the buyer should prepare the court judgment and the Notice of Assistance in Execution before handling the transfer.

To sum up, a mortgaged house can be transferred, but it must be handled in the form of sale.

Legal basis:

Article 406 of the Civil Code of People's Republic of China (PRC)

During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected.

Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.