律师先生:2004年,我们单位集资建房,我那时还没退休,故分到一套160平方米的房子。但因当时资金紧张,我就与朋友王先生签订了抵押借款协议,把我原来居住的一套房屋抵押给王先生,并用向王先生借来的钱款支付了购房款。还另外约定对方付我6万元的转让费,待房屋建成后,如果政策允许,我把这套集资房转让给王先生。现 Lawyer: In 2004, our unit raised funds for housing construction. At that time, I did not retire, so I assigned a 160 square meter house. However, due to the shortage of funds at the time, I signed a mortgage loan agreement with my friend Mr. Wang to mortgage Mr. Wang to a house in which I was originally housed and paid the purchase price with the money borrowed from Mr. Wang. Also agreed to pay each other 60,000 yuan transfer fee until the completion of the house, if the policy allows, I transferred this set of funds raised to Mr. Wang. Now