For a house with a loan, one way is to buy and sell it by refinancing. This requires the loan bank to agree to change the borrower of the mortgage to the buyer, and the buyer will continue to repay the seller's unexpired loan. Another way is for the buyer to make a down payment to help the seller pay off the loan. This applies to situations where the loan amount is low or the seller has repaid most of the loan. The down payment paid by the buyer is used to pay off the seller's loan, and then the property mortgage registration is cancelled. If the buyer is unwilling or not qualified to take over the loan, the seller can raise funds to pay off the loan. These methods can achieve loans to buy and sell houses.