Houses with renovation loans can be traded. You can buy or sell the property while the renovation loan has not been repaid. Whether there are any specific restrictions on buying and selling depends on whether the home loan is mortgaged.

The first situation. There is no mortgage on the house at the time of the loan. There is no mortgage on the house, and the owner of the house can buy and sell it independently without anyone's interference.

Article 39 of the "Property Law of the People's Republic of China" stipulates that the owner shall have the right to possess, use, benefit from and dispose of his own real estate or movable property in accordance with the law.

In the second case, when taking a housing loan, the house is mortgaged to a financial institution as security. Then, when the house owner transfers the house, he should notify the mortgagee (financial institution). If no notification is given, the transfer will be invalid.

According to the provisions of Article 49 of the "Guarantee Law of the People's Republic of China", the price received by the mortgagor from the transfer of the mortgaged property shall be used to repay the guaranteed creditor's rights to the mortgagee in advance.

Extended information:

"Guarantee Law of the People's Republic of China"

Article 49 During the mortgage period, the mortgagor transfers the registered If the property is mortgaged, the mortgagee shall be notified and the transferee shall be notified that the transferred property has been mortgaged; if the mortgagor fails to notify the mortgagee or the transferee, the transfer shall be invalid.

If the price of the transferred mortgage is significantly lower than its value, the mortgagee may require the mortgagor to provide corresponding guarantee; if the mortgagor fails to provide it, the mortgage shall not be transferred.

The price received by the mortgagor from the transfer of the mortgaged property shall be paid off to the mortgagee in advance for the guaranteed creditor's rights or deposited with a third party agreed with the mortgagee. The portion exceeding the amount of the creditor's right shall belong to the mortgagor, and the remaining portion shall be paid off by the debtor.

Reference materials:

Baidu Encyclopedia-Guarantee Law of the People’s Republic of China