The car loan is secured by the house. If you want to sell half of the house, you need to pay off the car loan before you can sell it. When the house is secured, the real estate license needs to be mortgaged to the bank. If the loan is not paid off, it is impossible to get the real estate license, and it is impossible for the seller to handle the transfer formalities afterwards.

I. Housing Transfer Process

1. The house transfer is handled directly by both parties, and both parties need to be present. When both parties get married, both husband and wife should be present. Even if there is only one name on the real estate license, the names of both parties should be signed on the final transfer certificate. If a legal person purchases a private house, it must also provide a legal person business license and sign and seal it on the back.

2. Bring the materials to the Housing Management Registration Center, and the staff will fill in the form after approval. What matters in form is the stock contract, and the money in the contract is consistent with that in the sales contract, which is confirmed to be correct.

3. After being approved by the Housing Management Registration Center, notify both parties and inform the transaction tax payable amount and date in writing, and pay the tax within 15 days.

4. After paying taxes, you can get the transfer certificate from the housing management registration center, and the transfer of the whole house will take effect.

2. A secured loan is a loan granted under the condition that a third party provides a corresponding guarantee for the borrower. Guarantee can be a person's guarantee or a thing's guarantee. Personal guarantee refers to the guarantee document issued by an economic entity with repayment ability. When the borrower fails to perform and repay the loan principal and interest, the guarantor shall be responsible for repaying the loan principal and interest. Collateral is secured by a specific object or a certain right. Once the borrower fails to perform the contract, the bank can exercise its rights on the collateral to ensure that the creditor's rights will not be lost. The guarantor and the creditor shall conclude a guarantee contract in written form. If the guarantor changes, it must go through the formalities for changing the guarantee according to the regulations. Without the approval of the lender, the original guarantee contract may not be revoked.

To sum up, the car loan has not been paid off, and neither the house nor the car can be sold, which is based on paying off the car loan.