1. Mortgaging refers to the borrower who has applied for a personal housing loan in the bank, asking the original lending bank to extend the loan period or selling or transferring the personal housing mortgaged to the bank to a third person, and applying for a personal housing loan to change the loan period, the borrower or the collateral. In practice, different banks have different regulations, so you need to consult the relevant banks for details. As far as we know, only China Construction Bank can handle mortgage transfer. At the same time, it should be noted that second-hand housing mortgage banks do not accept individual applications and need to entrust intermediaries to implement them.
After the loan is paid off, it will be sold. The owner pays off the loan by himself or the buyer pays part of the cash to the seller in the form of deposit. However, this method is risky for the buyer and generally will not be accepted. Therefore, you can find a third-party intermediary company with financial strength, good reputation and rich experience to intervene until you get back the real estate license and handle the transfer.