For this kind of house, you should first check how much the loan is, whether it is overdue, and also check the state of the house, whether it is mortgaged or sealed up, and whether there are real estate licenses and land certificates. What you need to do is, 1. If the real estate license and land certificate are not sealed up, but the bank has mortgaged them, you only need to wait for the owner to settle the loan and handle the transfer after the mortgage is lifted. How to pay the specific house price can be discussed. 2. If there is no real estate license, you should ask the developer clearly whether the buyers on the purchase contract can be changed to your name. If yes, the process is the same as above. If not, the transaction is terminated.