The house under mortgage can be sold. Banks usually stipulate that if the loan is less than one year old, liquidated damages must be paid, but if the loan is more than one year old, no penalty is required. You can use the down payment paid by the house buyer to go to the bank to repay the loan in advance, go through the mortgage release procedures, and then transfer the property.

1. First of all, second-hand housing transactions are subject to the real estate certificate. Only with the real estate certificate can it be listed for trading. At present, the property has not obtained the property ownership certificate, so the transfer procedures cannot be processed for the time being. If you want to change the name of the contract with the seller, you can ask the homeowner to negotiate with the developer to cancel the original contract filing, and then the developer will sign a new contract with you and file it. Whether it is name change or contract cancellation, the developer's consent and cooperation are required. However, before canceling the contract, you need to apply to the Housing Authority first, and then you can process it.

2. If there are conditions for sale, you can go through the remortgage procedures. You must first obtain the consent of the bank, and you can first apply to the bank that provided the loan. Currently, banks generally do not handle remortgage procedures. Generally, the homeowner raises his own funds to pay off the loan and obtain the property certificate; in some cases, the customer pays part of the cash to the seller in the form of a deposit to help him obtain the property certificate. This depends on the customer's trust in the seller and the entrusted intermediary company. This approach is risky for the buyer and is generally not acceptable.

3. Although the management department stipulates that second-hand housing transactions can be remortgaged. However, in actual operation, different banks have different regulations, and you need to consult the relevant bank for details. As far as we know, only China Construction Bank can handle mortgage transfers. At the same time, you need to entrust an intermediary agency to apply for remortgage matters with the bank. For second-hand house remortgage business, banks do not accept applications from individuals, and you need to entrust an intermediary agency to implement it.

House mortgage loan means that when an individual purchases a residential or commercial property that has a property ownership certificate and can be traded on the market, he or she pays a certain proportion of the down payment, and the rest is used as the property to be purchased. Mortgage, loan from a partner institution.

Home loan, that is, a housing mortgage loan, refers to a personal housing loan in which a home buyer uses the home he or she purchased as a mortgage and is guaranteed by the real estate development company that purchased the home. That is, a mortgage loan means that a home buyer obtains a loan from a bank using the pre-purchased building as collateral. The home buyer pays the bank in installments according to the repayment method and period specified in the mortgage contract; the bank charges interest at a certain interest rate. If the lender defaults, the bank has the right to seize the home.