What needs to be clear is that the ownership of the house still belongs to the lender, that is, the bank, when the house loan is not paid off. Therefore, if you want to transfer the house to someone else's name, you must pay off the loan first.
Secondly, if the loan has not been paid off, but you want to transfer the house to someone else's name, you can choose to transfer the loan to another bank or financial institution first, and then transfer the house. In this case, the new lender will take over the original loan and be responsible for repayment, and the ownership of the house will be transferred to the new owner.
Finally, if the loan has not been paid off, but you want to transfer the house to relatives or friends, you can also choose to make a gift or transfer agreement first, and then transfer the house. In this case, it is necessary to notarize the gift or transfer agreement to ensure that it is legal and effective, and then transfer it.