Legal analysis: normal house transfer is not to check credit information. If you don't need a loan, you won't check your credit information. If you need a loan, you must check your credit information. If there is something wrong with the credit information, the loan will not pass. To handle the transfer formalities, the original owner and his wife need to be present: those who carry ID card, household registration book, real estate license, deed certificate and marriage certificate (single person needs to hold single certificate) can handle the registration of house ownership transfer as long as they carry ID card.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 209 The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

Natural resources owned by the state according to law may not be registered.

Article 210 The registration of immovable property shall be handled by the registration institution where the immovable property is located.

The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.