The house can only be transferred without legal disputes, planned demolition and mortgage. The mortgaged house has gone through the mortgage registration procedures in the real estate department, and can be transferred only after the loan is repaid.
In actual operation, the loan can be paid off before transfer according to the following methods
1. Pay off the remaining loan with the buyer's down payment 2. Pay off the remaining loan with the bank loan 3. The simplest and direct method of re mortgage is to sell or transfer the personal housing to a third person and apply for the loan of personal housing loan to change the loan term, change the borrower or change the collateral.
Legal basis
Article 214 of the Civil Code of the People's Republic of China [Effective time of change of real estate property rights] The establishment, change, transfer and extinction of real estate property rights, if required to be registered by law, shall come into force when recorded in the real estate register.
