Two methods:

The first thing is to continue to repay the loan in your name and sign a lawyer's contract. The second is to refinance the mortgage loan, and the process is as follows:

1. The buyer and the seller sign the house sales contract;

2. The buyer, the seller and the law firm sign the guarantee contract for the sub-mortgage transaction;

3. The buyer pays the down payment of 30% of the house price (according to the principle of lower transaction price and evaluation price, the evaluation is exempted within one year, subject to the original purchase price);

4. Letter of confirmation that the seller's loan bank agrees in writing to make a one-time prepayment (including the principal and interest of the funds owed and the repayment account number);

5. The buyer applies to the loan bank for second-hand housing mortgage loan according to the above documents and personal credit documents (loan application, lawyer's preliminary examination and bank review);

6. The seller actually delivers the house to the buyer;

7. Lend money after examination by the bank and transfer the money to the seller's bank;

8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages it to the buyer's loan bank;

9. The buyer's loan bank will pay 30% down payment to the seller.

Legal basis: Article 16 of the Provisional Regulations on the Registration of Real Estate, the applicant shall submit the following materials and be responsible for the authenticity of the application materials:

1. Application for registration.

(two) the identity documents and power of attorney of the applicant and the agent;

(three) the relevant certification materials of the source of real estate ownership, the certification documents of the reasons for registration and the certificate of real estate ownership;

Real estate boundary, space boundary, area and other materials;

(5) A statement on the interests of others;

(six) other materials as prescribed by laws, administrative regulations and their detailed rules for implementation.

The real estate registration institution shall publicly apply for registration items in the office and portal website, including the material catalogue and model text.