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Can I apply to settle the loan immediately after transferring the second-hand house with mortgage?

1. Repay the bank loan first. The homeowner must repay the bank loan first, so that the mortgage can be released smoothly and then the property rights transfer procedures can be completed. In short, the two parties who purchase the house need to first reach an agreement on the change of property rights, and then go to the notary office for notarization.

2. Change the property ownership through the bank. The buyer and the seller reach an agreement after negotiation, and then go to the bank to submit this written agreement on the property change. But there is a prerequisite for this, which is to first obtain permission from the bank.

3. Property redemption. The so-called property redemption means that the seller directly asks a guarantee company to guarantee the property. Then the balance is paid, both parties obtain the real estate certificate, go through the transfer registration, and finally the seller returns the money to the guarantee company.