You can refinance the loan. "Mortgage" refers to personal housing mortgage loan. Personal housing mortgage loan refers to a loan in which the borrower who has applied for personal housing loan in the bank requests the original lending bank to extend the loan term or sell or transfer the personal housing mortgaged to the bank to a third person, and applies for personal housing loan to change the loan term, borrower or collateral. However, in reality, this method is too complicated because of the different loan willingness, monthly supply ability and purchase fund arrangement of buyers.
3. The owner will pay off the remaining loan and then obtain the property right of the house for transaction. The repayment amount can be raised by the owner himself or negotiated with the buyer, which is a common and simple way at present.