However, it needs to go through certain procedures, mainly in the following ways:

1. The seller pays off the bank payment personally, cancels the mortgage, and then goes through the formalities of property right transfer.

2. The buyer and the seller negotiate and issue a written agreement on the change of house property rights to the bank.

The house transfer process is as follows:

1. The applicant applies to the real estate registration agency for transfer;

2. Submit application materials, mainly including identity certificate, application for transfer registration, proof of registration reasons and other materials;

3. Accept the application and review the materials;

4. Pass the examination and issue the certificate of real estate ownership.

To sum up, real estate can be transferred by loan. The parties shall obtain the consent of the mortgagee, issue a certificate to the bank that the loan has been paid off, or apply for mortgage refinancing, go through the decompression procedures at the mortgage registration department, and then go through the name change and transfer at the Housing Authority.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 406

During the mortgage period, the mortgagor may transfer the mortgaged property.

Unless otherwise agreed by the parties, such agreement shall prevail.

If the mortgaged property is transferred, the mortgage right will not be affected.

Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee.

If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee.

The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.

Article 408

If the mortgagor's behavior is enough to reduce the value of the mortgaged property, the mortgagee has the right to ask the mortgagor to stop his behavior; If the value of the collateral decreases, the mortgagee has the right to demand the restoration of the value of the collateral or provide a guarantee corresponding to the decreased value. If the mortgagor fails to restore the value of the collateral or provide guarantee, the mortgagee has the right to demand the debtor to pay off the debt in advance.