There are risks. According to China's policy, it is invalid to directly resell the house purchased by the loan before the mortgage is paid off. Because the loan has not been paid off, the real estate license should be placed in the bank. Article 209 of the Civil Code states that 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.