Legal analysis: the name of the house that has not paid off the loan cannot be reduced. A person's name cannot be directly removed from the house in the loan. If you want to get rid of a person's name, first settle the bank loan and then go to the Housing Authority to change the name. If the loan is not paid off, the property right is mortgaged to the bank, which does not belong to it for the time being and has no right to change the name of the owner of the house property.

Legal basis: Article 53 of the General Principles of Loans. The lender shall require the borrower to pay off the loan debt before the transfer or dissolution of property rights.