Under normal circumstances, it is not transferable. The house has been loaned in the bank. Although for the developer, you have paid the full amount and got the property right of the house, because your property right has been registered in the bank, the bank belongs to your mortgagee. No matter what deal you make, the Housing Authority will not accept it until the mortgage is paid off. If you want to handle the transfer registration, there are two ways: one is to obtain the consent of your mortgagee bank. But this method is basically not feasible. In practice, it is almost impossible for the bank to agree, unless the transferee and the bank reach an agreement, the income you transfer needs to be paid off in advance or deposited with the mortgagee. The second is to pay off the loan in advance. If there is no money to repay the loan temporarily, you can choose to borrow from other places or negotiate with the transferee to transfer the price. The transferee pays off the bank loan for you first, and then goes to the property right registration department in the district where the house is located to cancel other rights of the bank, so that the house can be traded freely.

Legal basis:

Article 406 of the Civil Code stipulates that during the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected.

Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.

Article 524 of the Civil Code: If the debtor fails to perform the debt and a third party has a legitimate interest in performing the debt, the third party has the right to perform it on his behalf; However, unless it can only be performed by the debtor according to the nature of the debt, the agreement of the parties or the law. After the creditor accepts the performance of the third party, its creditor's right to the debtor is transferred to the third party, unless otherwise agreed between the debtor and the third party.