If a divorced couple has a loan, they must pay off the bank loan before they can transfer their ownership. If they can't pay off the loan in one lump sum, they can negotiate with the loan bank, change the lender and re-sign the mortgage contract of the housing loan. Article 209 of the Civil Code stipulates that the establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.