Legal analysis: No need. It is not necessary to pay off the loan when the house is renamed. If the house has a loan, you should go to the bank to go through the mortgage change procedures first. For the specific operation process, it is recommended to consult the loan bank, and then go to the real estate trading center in the area where the house is located with the original and copy of the marriage certificate, ID card and real estate license, and go to the pre-inspection window to review the submitted materials. After the materials are fully reviewed, they shall be handled at the relevant window with the serial number given by the staff. The real estate license can protect the legitimate rights and interests of the house owner. The legitimate rights and interests of the owner of the house refer to the right of the owner to possess, use, benefit and dispose of his own property according to law. This right will take effect only after the obligee has registered the property right with the government real estate management authority and obtained the house property right certificate, which is protected by the state law.

Legal basis: Provisional Regulations on the Registration of Real Estate

Article 3 These Regulations shall apply to the first registration, alteration registration, transfer registration, cancellation registration, correction registration, objection registration, advance notice registration and seizure registration of real estate.

Article 20 The real estate registration institution shall complete the real estate registration procedures within 30 working days from the date of accepting the application for registration, unless it is otherwise provided by law.