1. Let's go to the bank to find out what the loan principal is. After finding a new buyer, let the new buyer give you the agreed house payment minus the loan principal in cash, go to the bank to handle the mortgage transfer procedures, and transfer the house and loan to the new owner.

2. Take money or borrow money to repay the loan, then sell the house and repay the loan after selling the house.

If the buyer has enough cash, let the buyer take part of the money to repay the loan first. After the mortgage is released, it will be renamed and the balance will be paid off.

Process:

1. First, the buyer and the seller sign the house purchase and sale contract, then the buyer and the lawyer sign the security guarantee contract for the sub-mortgage transaction, and then the buyer pays the seller 30% or the agreed down payment.

2. The seller applies to the original loan bank (called Bank A) for prepayment, and obtains the confirmation letter issued by Bank A.. After receiving the opinion that the bank agrees to prepay, the seller will deliver the house to the buyer, and the buyer will apply to Bank B with the house sales contract, and submit relevant information, such as the nature of the house recognized by Bank B and the repayment ability of the lender, before starting to lend money.

3. The bank loan is directly transferred to the seller's account. After the seller repays the loan from Bank A with this money, he will release the property and deliver it to the buyer for use, and handle the transfer with the buyer and lawyer, and mortgage the property to the buyer's loan bank.

When the seller needs to end the ownership of the house, the buyer begins to have the right to use the house and begin to repay the loan. After the loan is repaid, the property will be released and owned