Legal analysis: unable to handle the transfer. The bank loan must be paid off before the mortgage house is transferred. According to the relevant provisions of General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), the house can only be transferred without legal disputes, unplanned demolition and mortgage. So generally speaking, to transfer a mortgaged house, you must pay off the bank loan first.

Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.