1. The house whose loan has not been paid off cannot be transferred because the ownership is still mortgaged in the bank. Only after paying off all the loans of the bank and handling the mortgage can we go to the Housing Authority to handle the transfer procedures, and finally we can prove that the house is really in hand;

The house has not been paid off, and the loan is still mortgaged. Without the consent of the mortgagee, it shall not be sold in the market. Unless the loan of the house is paid off, if you want to transfer the house for resale, you can negotiate with the buyer, and the buyer will pay off the loan and get the other warrants, and then go to the Housing Authority to go through the mortgage formalities, so that you can trade in the market and finally transfer the ownership successfully.

Legal basis: Article 406 of the Civil Code of People's Republic of China (PRC).

During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected.

Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.