Who pays the mortgage to the bank?

Legal analysis: the original owner pays compensation. In practice, it is advisable to directly ask the new owner to bear all unpaid property fees. If the owner raises an objection, he can ask the new owner to provide the basis and evidence that he does not need to bear the property fee, otherwise it will be determined that all the fees owed by the house will be borne by the new owner.

Legal basis: Article 78 of the Detailed Rules for the Implementation of the Provisional Regulations on the Registration of Real Estate shall submit the following materials when applying for mortgage registration of pre-purchased commercial housing: (1) mortgage contract and principal creditor's rights contract; (2) Pre-sale commercial housing registration materials; (3) Other necessary materials. After the pre-purchase of commercial housing is registered as the ownership of the house, the parties concerned shall apply for changing the pre-registration of pre-purchase of commercial housing mortgage into the first registration of commercial housing mortgage.