1. You can "remortgage", sell or transfer your personal house to a third party and apply for a personal housing loan to change the loan period, change the borrower or change the collateral. At present, there are very few banks that can remortgage, and some cities such as Beijing have stopped remortgaging a long time ago, so this method is currently rarely used.

2. Use the buyer’s down payment to pay off the remaining loan. This is the most commonly used model in current second-hand housing transactions. It is suitable for the original homeowner who has a low loan amount or the remaining loan amount after a large number of repayments. Not a big deal. Normally, the buyer will agree to a down payment of 30% to 40% of the total transaction value of the property. The seller can use the buyer's down payment to pay off the remaining loan, then cancel the mortgage registration of the property and proceed to the next transaction.

3. To use a bank loan to pay off the remaining loan, you can consider using the collateral in your name (such as other properties) to apply for a mortgage loan from the bank to pay off the mortgage loan. Wait until the buyer pays the full price of the house before paying off the bank mortgage.

Extended information:

Mortgage mortgage

1. In terms of effective conditions

The effective conditions for a mortgage are that if the mortgage is an existing house Yes, the property ownership certificate of the house must be delivered to the mortgagee for custody; if the mortgage is an off-plan house, the "Commercial Housing Pre-Sale Contract" must be delivered to the mortgagee for custody. However, whether it is an existing house or an off-plan house, it must be registered with the legal registration agency before it can take effect. As for the mortgaged property, in addition to the legal provisions that must be registered with the statutory registration authority before it becomes effective, whether other mortgaged properties need to be registered before it becomes effective shall be agreed upon by the mortgagor and the mortgagee.

2. On the basis of rights

The right to mortgage belongs to both security rights and general claims, because if the mortgage is an existing house, the mortgagor only needs to hand over the property ownership certificate of the mortgage. Just give it to the mortgagor. It is a pledge of rights and has no direct relationship with the creditor's rights. If the mortgage is an off-plan house, it does not actually exist yet, so there will be no issue of transferring the possession of the off-plan house. It only requires that the "Commodity Pre-Sale Contract" be delivered to the mortgagee.

The "Commercial Housing Pre-sale Contract" only reflects the creditor-debt relationship in the contract. It also shows that the mortgagor is in the position of a creditor in the contractual relationship of the commodity pre-sale. This kind of right has only one kind. The nature of creditor's rights has not yet directly reflected property rights. The mortgage right belongs to the property right, because it is the mortgagor's own property as a guarantee for the performance of the debt.

Reference: Baidu Encyclopedia: Housing Mortgage Loans