Legal analysis: as the case may be. If the bank agrees, during the mortgage period, the car can be transferred and the husband and wife can change their names; If the bank does not agree, during the mortgage period, the car cannot be transferred and the husband and wife cannot change their names. You need to pay off the vehicle loan mortgage, release the mortgage, complete the vehicle formalities and documents, and handle the illegal accident before you can handle the vehicle transfer and name change.

Legal basis: Article 406 of the Civil Code of People's Republic of China (PRC). During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected. Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.