According to the law, the property that has not repaid the bank loan can only be sold after paying off the remaining mortgage loan. In other words, the house with outstanding loans cannot be sold, but the mortgage can be repaid in advance before trading.

1. High-risk mortgage payment method: the mortgage payment shall be paid by the buyer in advance.

When the mortgage is released, most sellers will require the buyer to make a down payment to release the mortgage, which is risky. First of all, it is uncertain whether the seller can handle the mortgage loan on time after the buyer pays the down payment; Secondly, before the mortgage is revoked, the house will be sealed up or auctioned by the court at any time, and even the seller may abscond with the money, which is risky.

2. Safe way to cancel the mortgage: the mortgage payment is funded by the seller himself or paid in advance by a third party.

It is the safest way for the seller to cancel the mortgage at his own expense and conduct normal transactions after the mortgage registration is cancelled. If the seller is short of funds, it can also be released by a third party in advance. Even if both parties negotiate and the buyer bears the responsibility, the buyer should try to pay in advance by the seller, because the risk before the mortgage is released was originally borne by the seller, and the buyer will return the advance payment to the seller after the transaction is completed.