The principle is not to buy, there are risks. Need to pay off the loan. The house that has not paid off the loan is still mortgaged and cannot be listed and traded, but it can be realized through refinancing. Re-mortgage The so-called "re-mortgage" refers to the sale or transfer of personal housing to a third person, the application for personal housing loans to change the loan term, change the borrower or change the collateral, but at present, few banks can re-mortgage.

legal ground

Principle of Publicity of Real Right in 208th Article of People's Republic of China (PRC) Civil Code The establishment, alteration, transfer and extinction of real property rights shall be registered according to law. The establishment and transfer of the real right of movable property shall be delivered according to law.