Legal analysis: the house loan can not be sold yet, and a sales contract can be signed. However, it is best to repay the loan when handling the transfer formalities. You can use the buyer's down payment to repay the bank loan, cancel the bank mortgage, and then you can go through the transfer procedures. Or refinance the mortgage with the consent of the bank and transfer the remaining loan to the buyer.

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.

Article 211 When applying for registration, the parties concerned shall provide the ownership certificate, real estate boundary and area and other necessary materials according to the different registered items.