if a seller who buys a second-hand house has an outstanding loan, he can apply for remortgage, or let the seller pay it off before the buyer buys the transfer.

The process of buying and selling second-hand houses:

1. The seller's husband and wife must personally go to the local house property registration department to sign;

2. Buyer: ID card, household registration book, and the parties personally go to the local house property registration department to sign;

3. Real estate license and land certificate;

4. House transaction procedures;

5. Registration of house property rights;

6. Housing evaluation report.

refinancing may be overdue.