You can't. If there is no transfer procedure, then the owner of the house is still the man, and the bank has the right to seal it up and should go through the transfer registration formalities as soon as possible.

1. If the divorce agreement states that the property belongs to the woman, the man shall assist in the transfer formalities. After the divorce, if the man refuses to assist the woman to handle the transfer, the woman may bring a lawsuit to the court and ask the court to confirm the ownership of the house according to law and handle the transfer formalities.

2, the divorce agreement distribution of real estate loans have not been paid off, does not affect the change of housing property rights. However, after the property right of the house is changed, the bank still has the right to ask the original lender to repay the due principal and interest. For example, husband and wife have the same loan, and after divorce, both husband and wife have the obligation to repay the bank.