The house can be transferred without repayment of the loan. Commercial housing during the loan repayment period cannot be transferred, and now it can be mortgaged for sale. Mortgaging refers to a loan in which a borrower who has applied for a personal housing loan in a bank applies for a personal housing loan to change the loan term, the borrower or the collateral by asking the original lending bank to extend the loan term or to sell or transfer the personal housing mortgaged to the bank to a third person. Re-mortgage means that when the loan is not paid off, the purchaser can transfer or sell the property; People who buy real estate can apply for second-hand housing loans from banks. If property buyers buy a cheap house because of their low income and insufficient repayment ability, they will resell the first suite to others and buy a house with better conditions after their income increases and their repayment ability improves.

The transfer process of unpaid mortgaged houses:

1. Pay off the remaining loan with the buyer's down payment. Second-hand housing transaction is the most common and convenient way. Applicable to the case that the original owner's loan amount is low or the remaining loan amount is small;

2. Refinancing (transferring the loan to the buyer). If you want to borrow money to sell a house, you need to transfer the mortgage to the buyer so that the buyer can continue to repay the seller's mortgage;

3. Refinancing to repay the remaining loans. Neither of the above two situations is feasible, and the seller can consider applying for a mortgage loan from the bank or the fund supervision institution with the collateral under his name to pay off the mortgage loan.

Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC).

The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

Natural resources owned by the state according to law may not be registered.