Whether the house transfer is called the transfer of assets depends on whether the lender pays back the money after the house transfer. If it has paid back the money, it is a normal house sale. If it still fails to repay the loan, it will constitute the crime of intentionally transferring assets.

Under normal circumstances, the sale of houses and the transfer of ownership should not be considered as the transfer of assets. However, in the future, the bank will sue you, and the court will investigate the authenticity and whereabouts of your house. If you can explain it clearly, it should be no problem. If the house is deliberately transferred to children, relatives or friends just to avoid debts, it may be considered as asset transfer and the court may also seal it up. Anyway, if you have the ability to repay, of course, you still try to repay the loan, but if you have the ability, you deliberately don't pay it back. Of course, you have to take responsibility. Transferring assets is not the best way, it is illegal.