To put it bluntly, the so-called mortgage means that you pay the down payment to the bank first, and then return it to the bank at a certain time. This is a monthly payment. Before you pay off the bank, the bank is connected with the real estate bureau, and you are not allowed to borrow money from this house again. As for what you said, "You can't sell a new house after buying it for two years", you have a misunderstanding. You can sell it, but you only need to increase the corresponding taxes and fees to pay off the loan. That's what people who have money to speculate in real estate do. I guess the online loan you mentioned is the appraisal of your house by the real estate bureau, but it doesn't matter if it's right or wrong, because the premise is that your mortgage is paid off.

From what you said, you want to sell this house because you are anxious to solve the problems at home. This house loan is not feasible, but there is another way: you may wish to reach an agreement with the person who likes this house, and it is of course appropriate for the other party to pay off your down payment and monthly payment, house decoration, house price increase and other matters, and then return the house to the other party, and the other party will pay the future monthly payment. When the loan is paid off, you can help him transfer the ownership, and all this should be written into the agreement reached by the two. Of course, you are in a passive position here, and you must make some concessions, but this is very helpless. Nobody has a problem!