Houses with outstanding loans cannot be bought or sold, and can only be bought or sold after the loans are settled. You can also refer to the following purchase or sales procedures:

1. Mortgage loan: The simplest and most direct way is to sell or transfer personal housing to a third person, and apply for personal housing loan to change the loan term, borrower or collateral.

2. Pay off the remaining loan with the buyer's down payment: this is the most widely used mode in second-hand housing transactions at present. This method is suitable for the case that the original owner's loan amount is low or the remaining loan amount is small after a large amount of repayment. Usually, the buyer will recognize the down payment of 30% to 40% of the total turnover of the property, and the seller can pay off the remaining loan with the down payment of the buyer, and then cancel the mortgage registration of the property and make the next transaction.

3. Use the bank loan to pay off the remaining loan: If the seller wants to pay off the loan before selling the property or the buyer is optimistic but unwilling to buy the property with outstanding loan, this method can be adopted. But the premise is that the homeowner can apply for a loan only if he has collateral (such as other real estate) recognized by the bank. In this way, the homeowner can lend a certain amount of money to the bank through mortgage loan to repay the real estate loan he wants to sell, thus contributing to the success of the transaction.