1, you sign a house purchase agreement with the owner, and stipulate how to repay the loan. Either you help him, he or both of you. These are stipulated in the house purchase agreement, and it is also stipulated that if you can't transfer the ownership due to the seller after repaying the loan for him, you need to refund your down payment and compensate you. It also stipulates that if you fail to pass the bank's loan approval, the agreement will automatically become invalid, and neither party needs to be responsible or compensate the other party.

2. With the agreement and your information, let the intermediary company recommend the bank to pre-approve the loan, and the bank will issue an approval letter after passing.

If you pay, take the money to repay the loan with the landlord, then transfer the ownership and mortgage the loan.