买房后想把房子卖掉，但是**贷款没还清，可办理转按揭贷款。转按揭的流程：

1、买卖双方签订《房屋买卖合同》；

2、买方、卖方、律师事务所三方签订《转按揭交易安全保证合同》；

3、买方交纳房屋价格30%的首付款（按交易价格与评估价格孰低的原则，一年内免评估，以原购买价为准）；

4、卖方的贷款**书面同意提前一次性还款的确认函（包括所欠资款本息、还款帐号）；

5、买方据前述文件及个人资信文件向贷款**申请二手房按揭贷款（提出贷款申请，律师初审，**复审）；

6、卖方向买方实际交付房屋；

7、**复审通过后放款，向卖方的**划款；

8、卖方收到款项后，与原贷款行解除贷款合同和抵押登记，与买方、律师一同办理过户、并且抵押给买方的贷款**；

9、买方的贷款**将30%的首付款付给卖方。

If you want to sell the house after buying it, but the bank loan is not paid off, you can apply for a mortgage loan. The process of re-mortgage:

1. The Buyer and the Seller sign the House Sales Contract;

2. The buyer, the seller and the law firm signed the "Security Guarantee Contract for Mortgage Transfer Transaction";

3. The buyer pays a down payment of 30% of the house price (based on the principle of the lower of the transaction price and the evaluation price, no evaluation is required within one year, and the original purchase price shall prevail);

4. The confirmation letter of the Seller's loan bank's written consent to advance one-time repayment (including the principal and interest of the outstanding capital and the repayment account number);

5. The buyer applies for the second-hand housing mortgage loan to the loan bank according to the above-mentioned documents and personal credit documents (file the loan application, lawyer's preliminary review, bank review);

6. The Seller actually delivers the house to the Buyer;

7. After the bank has passed the review, make the loan and transfer the money to the seller's bank;

8. After receiving the payment, the Seller shall cancel the loan contract and mortgage registration with the original loan bank, handle the transfer with the buyer and the lawyer, and mortgage to the buyer's loan bank;

9. The buyer's loan bank will pay 30% of the down payment to the seller.