1. First of all, whether the mortgaged property is registered or not, personal housing loans generally take the form of "phased guarantee plus mortgage loan", that is, before the mortgaged property is registered, the developer provides guarantee for the lender (purchaser), and after the mortgage registration is completed, the purchaser takes the purchased property as collateral.

2. If the real estate mortgage has not been handled, it must be negotiated with the developer (guarantor) first, and the developer will provide a new guarantee for the buyers, and at the same time negotiate with the loan bank, otherwise the developer will be exempted from the guarantee responsibility, and the loan bank will not refuse to terminate the loan contract in advance because of this, unless all the loans are paid off first.

3. The payment method of the buyer determines the complexity of the procedure. If the buyer agrees to pay the house price in one lump sum, he can repay the bank loan and interest with the transfer money first, and then go through the transfer formalities with the transferee after canceling the mortgage registration.

4. If the buyer also wants to mortgage, the loan bank must first examine the buyer's qualification. If the buyer meets the loan conditions of the bank, the loan bank will first terminate the loan contract, settle the previous loan principal and interest, and sign a new loan contract with the transferee for the remaining outstanding loans.

5. After the buyers and sellers handle the real estate transfer formalities, they have to go to the real estate authorities to handle the mortgage registration change procedures. The latter operation procedure is complicated, and not all banks will agree to this transfer. Therefore, the easiest way is to pay off all the loan principal and interest, cancel the mortgage registration, and then go through the transfer formalities with the buyer.