Theoretically, transfer is allowed. According to the information: Article 34 of the "House Registration Law" No. 168 of the Ministry of Construction of the People's Republic of China and the People's Republic of China. During the mortgage period, the mortgagor transfers the ownership of the mortgaged house and applies for the transfer registration of the house ownership. In addition to providing the third paragraph of these Measures In addition to the materials specified in Article 13, the identity certificate of the mortgagee, the mortgagee's written document agreeing to the transfer of the mortgaged house, and other certificates of rights must also be submitted.

In short, the consent of the mortgagee, which is the bank, must be obtained. If the house seller does not repay the bank loan, the bank will not agree to the transfer of property rights. According to situations often encountered in daily life, although buying such a house is risky, it is controllable. The risk in this situation is that the down payment paid by the house buyer is not used by the house seller to repay the bank loan, resulting in the inability to transfer the property. Therefore, the way to reduce risks is to sign a complete "House Purchase Contract" first, and then go to the notary office to apply for a notarization of entrustment. The house seller will entrust the house seller to handle bank repayment, mortgage cancellation and other procedures. The down payment cannot be paid to the house seller. The house buyer must directly return the down payment to the bank on behalf of the house seller to repay the seller's loan principal, and then go to the Housing Authority to cancel the mortgage with the bank settlement certificate, and then go to the house with the house seller. The housing authority handles the transfer procedures, and only after the transfer procedures are completed can the remaining purchase price be paid.