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Can I sell the house that is still owing on the loan?
Legal analysis: the house that repays the loan can be bought and sold, provided that the property right certificate must be obtained. Without the title certificate, the transaction cannot be carried out.

Legal basis: People's Republic of China (PRC) City Real Estate Management Law.

Article 60 The state practices a system of registration and certification of land use rights and house ownership.

Article 61 Anyone who obtains the land use right by means of transfer or allocation shall apply to the land administration department of the local people's government at or above the county level for registration. After verification by the land administration department of the local people's government at or above the county level, the land use right certificate shall be issued by the people's government at the same level. If the real estate development obtained according to law needs to complete the house, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall issue the house ownership certificate. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.