In the course of social practice, a large number of credit and debt disputes often arise for variousreasons, and as a new mode of transaction to deal with and extinguish credit and debt, the “Agreement ofPaying Debts by House” came into being. However, in China’s current laws and judicial interpretation ofthe implementation of objections, the meaning of the house against the debt is ambiguous, resulting indifficulties in the application of the law, the legal effect is yet to be clarified. However, in reality, the debtorand the creditor to reach an agreement with the house against the debt, for various reasons did not timelytransfer of the phenomenon abound. At this time, if the debtor has other debts involved in litigationcases, its name against the debt of the house by other creditors, mortgagees apply for execution, the housetransferee can file an outsider execution of objections, so as to fight against the seized against the debtof the house of the enforcement of the house? In practice, all levels of courts in different circumstances,the application of the term “against the debt”, there will be the same case different cases, and thus on theoutsider, the mortgagee, the interests of the executor’s money creditors are not the same. Therefore, thisarticle explores the real meaning of the parties in the context of “Agreement of Paying Debts by House”,differentiates the debt against house by typology, summarizes and analyzes the possibility of exclusionof enforcement by searching five judicial cases under different types, and further explores the applicablerules of exclusion of enforcement by the assignee of the debt against house under the existing system.