Legal analysis: it can be directly transferred to relatives by buying and selling, and the procedures are as follows:

1, remortgage

2. The seller pays off the remaining loan with the bank loan.

3. Pay off the remaining loan with the buyer's down payment.

Legal basis: Article 60 of People's Republic of China (PRC) Real Estate Management Law states that when real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level.