Legal analysis: it is impossible to get rid of the loan before it is paid off. Only by consulting with the bank or raising funds to repay the loan in advance can we get rid of the loan. If the property of both husband and wife is removed from the list, it is necessary to first agree on how to divide the property, then notarize it, and finally bring relevant documents to the real estate department to go through the formalities for changing the ownership of the house.

Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

Natural resources owned by the state according to law may not be registered.