If the mortgage is not paid off, you can add your wife's name. First of all, the user needs to go to the bank to go through the mortgage change procedures, and then take the marriage certificate, ID card and real estate license to the real estate trading center to add his wife's name. Adding a name requires a certain handling fee. After adding the name, the user will get a new real estate license.

Legal basis: Article 1062 of the Civil Code of People's Republic of China (PRC), the following property acquired by husband and wife during the marriage relationship is the joint property of husband and wife, which belongs to husband and wife:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;

(5) Other property that should be jointly owned.

Husband and wife have equal rights in dealing with common property.

Article 1064 of the Civil Code of People's Republic of China (PRC) (hereinafter referred to as "Civil Code"), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily life of the family during the marriage relationship belong to the joint debts of the husband and wife.

Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.