How to transfer the mortgage house without real estate license after divorce? As we all know, housing transfer must have a real estate license, and it is impossible to transfer without a real estate license. Under normal circumstances, the real estate license of the mortgaged house should be mortgaged in the bank. So after the divorce, if the party who gets the house wants to transfer, there are two ways: 1. Early repayment: cancellation of mortgage registration of bank mortgage loan. If you don't have much cash to repay the loan in advance, you can consider redeeming the real estate license through some loan companies. After obtaining the real estate license, both parties go to the real estate registration department to handle the transfer. 2. If it is impossible to pay off the loan in one lump sum, you can negotiate with the loan bank to change the lender and re-sign the mortgage contract for housing loan. This kind of operation is more troublesome, because banks generally don't cooperate, because the risk of repaying loans is high and the workload is large.
Legal objectivity:
Article 1087th of the Civil Code of People's Republic of China (PRC) stipulates that in case of divorce, the joint property of husband and wife shall be handled by mutual agreement; If the agreement fails, the people's court shall make a judgment based on the specific circumstances of the property and the principle of taking care of the rights and interests of the children, the woman and the innocent party. The rights and interests enjoyed by husband and wife in the contracted management of family land are protected according to law. Article 1088 of the Civil Code of People's Republic of China (PRC) * * * If one spouse undertakes more obligations such as raising children, caring for the elderly, helping the other spouse to work, etc., he has the right to demand compensation from the other spouse at the time of divorce, and the other spouse shall pay compensation. Specific measures shall be agreed by both parties; If the agreement fails, the people's court shall make a judgment.