If you can't transfer the ownership directly, you can do it in the following two ways: 1, and the mortgage can be released after the loan is paid off. 2. After signing the agreement, the bank will transfer the loan to the new owner's name, and at the same time, the bank will handle the mortgage formalities for the new owner. Transfer refers to changing the name on the real estate license and land certificate to the name of other householders.

During the loan period, the land certificate and real estate license are mortgaged in the bank, and the transfer can only be made after the loan is paid off after consultation with the buyer. Among them, the paid-off money can be negotiated with the buyer, paid by the buyer, and included in the purchase cost. Mortgaged houses can be sold, but banks usually stipulate that the cancellation of mortgage loans within one year will pay liquidated damages, and those completed within one year will not have to pay. In fact, you can also use the down payment paid by the buyers to pay off the bank loan in advance, go through the formalities of understanding the mortgage, and then go through the transfer. The relevant contents are as follows:

1. First of all, the second-hand housing transaction is subject to the real estate license. Only with the real estate license can it be listed and traded. You can ask the landlord and the developer to negotiate to cancel the original contract for the record, and then the developer will sign a new contract with you for the record. No matter whether the contract is renamed or cancelled, it needs the consent of the developer, but before the contract is cancelled, it needs to apply to the Housing Authority before it can be handled.

2. If you have the conditions for sale, you can go through the re-mortgage procedures. First, you must obtain the consent of the bank, and you can apply to the loan bank first. At present, banks generally do not handle the formalities of refinancing. Generally, the homeowner pays off the loan by self-financing and takes out the real estate license; This method is risky for the buyer and generally will not be accepted.

3. Although the management department stipulates that second-hand housing transactions can be mortgaged, in practice, different banks have different regulations and need to consult relevant banks. As far as we know, only CCB can handle mortgage transfer, and second-hand housing mortgage banks do not accept individual applications and need to entrust intermediaries to implement them.