Legal analysis: it is impossible for divorced couples to transfer their houses with loans. Only when there is no legal dispute, no planned demolition and no mortgage can the houses be transferred. It is necessary for both divorced parties to jointly apply for the ownership registration of the divorced house, change the name registration of both divorced parties to the original husband and wife, and the transferor will continue to pay the mortgage loan according to relevant regulations.

Legal basis: Article 1087th of the Civil Code of People's Republic of China (PRC), 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 according to 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 one spouse in the contracted management of family land are protected according to law.