Legal analysis: bank loans can't sell houses. The property right of the house whose loan has not been paid off cannot be changed, and the buyers can't get the property right certificate, so they can only transfer the ownership after the loan has been paid off. To apply for prepayment, mortgage to buy a house can sell the house and rename it after the repayment is completed. During the mortgage repayment period, the words "real estate mortgage" exist in the real estate license. The owner needs to wait until the bank loan is paid off, bring the certificate of other rights provided by the bank, obtain the other rights of the house from the local housing authority, and then go public normally.

Legal basis: Article 395 of the Civil Code of People's Republic of China (PRC). The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.