You don't have to repay the loan, because the real estate license belongs to your in-laws, not husband and wife, and there is no repayment obligation.

Mortgaged house mortgage:

① The word "Mortgage" is a Cantonese transliteration of the English word "mortgage";

(2) refers to real estate and other physical assets or securities, contracts, etc. As collateral, obtain a bank loan and pay off the principal and interest in installments according to the contract. After the loan is paid off, the bank will return the collateral;

(3) Mortgage means that the mortgagor takes the mortgage beneficiary of property right transfer as the repayment guarantee, and after the mortgagor pays off the loan, the beneficiary immediately transfers the involved property right to the mortgagor;

④ In this process, the mortgagor enjoys the right to use the property.