Legal analysis: you can transfer the ownership, but you still have to return the loan to the bank. If the mortgage contract does not stipulate that it cannot be transferred, according to the existing laws, the loan can be transferred if it is not repaid.

Legal basis: Article 18 of the Regulations on Motor Vehicle Registration: If the ownership of a registered motor vehicle is transferred, the current motor vehicle owner shall apply to the vehicle management office for transfer registration within 30 days from the date of delivery of the motor vehicle.

Before applying for transfer registration, the owner of a motor vehicle shall deal with the illegal acts of road traffic safety and traffic accidents involving the vehicle.