If you buy a second-hand house, it is normal that the property has a mortgage loan. If the intermediary asks you to cancel the loan to the homeowner and then transfer the ownership, if the amount is relatively small and the deposit can just meet the loan owed, you can pay the deposit and let the homeowner solve the loan problem himself. This is a feasible method.

If the amount of loan owed is too large and the deposit is insufficient to pay the loan owed, it is best to ask the intermediary company to find a local guarantee company. After paying a certain guarantee fee, the guarantee company can help guarantee the real estate license according to the entrustment notarization (the specific situation is not written), and then transfer it to you through the third-party fund supervision of the bank. This is the best way.

If more than half of the money is given to the owner to solve the loan problem without the guarantee of a third party, it will easily lead to subsequent real estate disputes. Maybe there was no room or money at that time. Personally, I don't advise you to do this.