Hello, if you want to buy or sell a house with a mortgage loan, you need to pay off the bank loan by the seller first, and then go through the relevant procedures to cancel the mortgage loan, so that you can transfer the property right normally according to the transaction process of buying and selling a house. In addition, the buyer and the seller can also negotiate and issue a written agreement on the change of property rights to the bank. Some commercial banks can unify the change of property rights and change borrowers from sellers to buyers. In the process of transfer, the buyer and the seller need to bring the certificate and real estate license issued by the bank, submit the property right change agreement to the relevant department, and go through the property right change registration with the housing management department where the house is located. In addition, if the bank does not agree to change the borrower, it can also ask the guarantee company to pay off the balance first, and then repay the loan of the guarantee company after the seller takes out the real estate license. However, because the guarantee company will have certain formalities fees, and it is risky to find an intermediary company, it is recommended to consider it carefully.

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