Legal analysis: the house that has not paid off the bank loan cannot be transferred normally because it is in the mortgage state. Generally, there are several operating modes for the sale of houses with outstanding bank loans: 1, where the buyer pays off the remaining loans; 2. Mortgage to mortgage; 3. Loan "redemption voucher".

Legal basis: Article 547 of the Civil Code of People's Republic of China (PRC). Where the creditor assigns the creditor's right, the assignee obtains the subordinate rights related to the creditor's right, except that the subordinate rights belong exclusively to the creditor.

The transferee's acquisition of subordinate rights is not affected by the failure to go through the transfer registration formalities or transfer possession of subordinate rights.