the establishment of real estate mortgage is subject to registration, but the unregistered mortgage does not affect the establishment of mortgage. However, the mortgage contract cannot stipulate that the mortgage will directly offset the debt for repayment.

The specific answer to your question is:

First, your house has a loan, which means that your house has been mortgaged to the bank. When you fail to repay the loan, the bank has the priority to be compensated for the auction price of the house.

So, it is impossible for the other party to transfer your house to his name by any means.

second, in the contract of buying and selling mortgaged real estate, the buyer has the right of cancellation, that is to say, after paying off the debts on the collateral, he has the right to buy the collateral without the consent of the mortgagee.

However, your loan contract does not exist.

In a word, it is an ordinary loan contract between you. He can claim that you should return the principal and interest you borrowed, but he has no right to ask you to fulfill the terms of house transfer agreed upon by you.