(1) After both parties sign the real estate sales contract, the landlord will raise funds by himself and return all the loan balance owed to the bank in advance at one time. After the bank cancels the mortgage, the real estate trading center will cancel the mortgage registration. In this way, the landlord has obtained the complete property rights of the house, and both parties can complete the transaction according to the general second-hand housing sales process.
(2) The fund supervision buyer will use the down payment to help the landlord repay the loan balance. The key to using this method is to find a third party trusted by both parties (such as reputable intermediary companies, law firms or other guarantee institutions), control every link in the whole process, and eliminate the transaction risks that may be brought about by mutual distrust or lack of integrity of landlords. If the down payment of the property buyer is not enough to fully repay the landlord's loan balance, the landlord can also entrust the guarantee institution to provide advance payment service to make up the difference. In this way, you only need to pay a prepaid service fee to realize financing and complete the transaction.
(3) After the real estate sales contract is signed, both parties apply to the landlord's original loan bank for mortgage transfer.