Husband and wife bank loans can be transferred to one person. Generally, when a husband and wife divorce, their property and debts should be divided. Husband and wife can negotiate or the court decides the division of property and debt, and one party is responsible for the outstanding loan. Under normal circumstances, as long as the court verdict is provided, the divorce certificate bank will agree to change the lender's procedures.

However, during the marriage relationship, the husband and wife bank loan cannot be transferred to one person's name, and only the husband and wife property agreement can be concluded.