1. First, find out whether the local bank can handle loan remortgage, which means that the original landlord's loan is converted into a home buyer's loan, and then you pay the difference to the original landlord. After the bank approves, you can go through the transfer procedures;

2. If you cannot go through the remortgage procedures, you must pay off the bank loan of the original landlord (with his own money or the down payment you paid to him) You need to negotiate and confirm the repayment). After the loan is paid off, the mortgage will be released and the original landlord will receive the property ownership certificate; 3. During the process of going through the above procedures, you need to provide the materials for applying for a bank mortgage loan to the bank to apply for a mortgage loan. After your loan application is approved, you can go through the transfer procedures. The bank will issue the loan to the original landlord after the property ownership certificate is in your name and the property ownership certificate has been registered with the mortgage of other rights. The procedures are then completed. The procedures are rather cumbersome. It is recommended that you find a reputable local agency to handle the above procedures, which can save you worry and effort.