Legal analysis: the provident fund loan can not sell the house, and the buyer can repay the unexpired loan instead of the seller. The seller needs to sell or transfer the individual housing to a third party by way of loan, and also needs to change the loan contract in the bank, including the loan term, borrower, collateral, etc. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the relevant regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. Workers who have paid the housing provident fund for a certain number of years or more according to regulations are buying houses or renovating them.

Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will 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.