The house can be transferred if it has a loan, but it needs to go through certain procedures, mainly in the following ways: 1. The seller can pay off the bank loan personally and cancel the mortgage before going through the formalities of property right transfer; 2. The buyer and the seller negotiate and issue a written agreement on the change of house property rights to the bank; 3. Redeem the building.

article 68 of the civil code of the people's Republic of China

if the seller places the subject matter at the delivery place according to the agreement or according to the provisions of item 2 of paragraph 2 of article 63 of this law, and the buyer fails to collect it in violation of the agreement, the risk of damage or loss of the subject matter shall be borne by the buyer from the time of violation of the agreement.

article 69 the seller's failure to deliver the documents and materials related to the subject matter as agreed does not affect the transfer of the risk of damage or loss of the subject matter.

article 61 where the purpose of the contract cannot be achieved because the subject matter does not meet the quality requirements, the buyer may refuse to accept the subject matter or terminate the contract. If the buyer refuses to accept the subject matter or terminates the contract, the risk of damage or loss of the subject matter shall be borne by the seller.

article 611 if the risk of damage or loss of the subject matter is borne by the buyer, it shall not affect the buyer's right to demand the seller to bear the liability for breach of contract due to its non-conformity in performance of obligations.

article 612 seller's obligation to ensure that the third party does not enjoy any rights over the delivered subject matter, except as otherwise provided by law.

article 613 if the buyer knew or should have known that a third party had rights to the subject matter of the sale when concluding the contract, the seller shall not assume the obligations stipulated in the preceding article.

article 614 where the buyer has conclusive evidence to prove that the third party has the right to the subject matter, it may suspend the payment of the corresponding price, unless the seller provides appropriate guarantee.

article 615th the seller shall deliver the subject matter in accordance with the agreed quality requirements. If the seller provides a description of the quality of the subject matter, the delivered subject matter shall meet the quality requirements of the description.

article 616 where the quality requirements of the subject matter were not prescribed or clearly prescribed by the parties and cannot be determined according to the provisions of article 51 of this law, the provisions of item 1 of article 511 of this law shall apply.