problem: The house has not controlled a house now, property right also has not done, loan still also was not over (but if necessary but one-time pay off) . Can be such house made over? Must carry development business? If how develop business to not be willing to cooperate to do then?  

Additionally buyer also needs to handle loan, how should be operated? Can accumulation fund loan do?  

Expert: What you narrate is the house property that is in special status truly, drag in is various, theoretic can make over, real operation difficulty is very great, and must carry development business. If develop business to cooperate, buyer loan can press convention mortgage loan to go, it is OK to accord with requirement of accumulation fund loan to answer borrow.