The divorced house belongs to one party and needs to be paid off by the housing loan. It is unsecured, with real estate license, deed tax certificate and land certificate.

Both parties jointly hold their ID card, household registration book, divorce certificate, divorce agreement and real estate license, go to the housing management department where the house belongs, handle the analysis and transfer of the divorced house to one party, and reissue the real estate license in the name of one party.

Second, after the divorce, the house is owned by one party. How to deal with the loan?

The loan is also on one side.

Generally speaking, to apply for a personal loan, you need to meet the following conditions:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

Third, how to deal with the divorce of the loan house?

How to deal with the housing loan owned by one divorced party should be determined by both parties through consultation. General housing owners can continue to repay the corresponding housing loans. The law clearly stipulates that the handling of divorce debts needs to be based on actual negotiation. If negotiation fails, a judgment can be made.

First, how to deal with the divorce housing loan to one party? How to deal with the loan of a divorced house belonging to one party should be determined by both parties through consultation, and the owner of the house can continue to repay the corresponding house loan. At the time of divorce, it is difficult to deal with the ownership of the house that has been mortgaged after marriage, but the property right of the house is registered in the name of the husband and wife. The main reason is that the judgment changes the property owner, that is, changes the borrower. If the bank refuses to handle the mortgage transfer procedures, the judgment will not be executed. If the house is awarded to a non-registered party, it is essentially equivalent to changing the debtor and requires the consent of the creditor (bank). If the bank doesn't agree, it can't make a judgment. Under normal circumstances, the house purchased with the joint property of husband and wife after marriage, although the property right is registered in the name of one of the husband and wife, still belongs to the joint property of husband and wife, and the mortgaged house is no exception. If there is no evidence that the house is mortgaged by personal property, then divorce should be divided according to the joint property of husband and wife, which is no different from the house in the usual sense. There is no theoretical basis for banks to refuse to handle the formalities of lending. On the one hand, you can't refuse to go through the re-mortgage formalities on the grounds of changing the debtor (nominal repayment person) without the consent of the creditor (bank). According to the above analysis, the actual borrowers of such cases during the marriage relationship are both husband and wife, not the nominal owners or borrowers on the property certificate. On the other hand, if the property right of the house is awarded to any party at the time of divorce, it will not affect the credit interests of the bank, and any party, as the name of repayment, will not affect the house as the mortgaged property to guarantee the debt. In the judgment, the house cannot be awarded to the party with strong repayment ability only by taking the bank's credit interest as the consideration standard. We should consider the degree of housing demand and still adhere to the principle of protecting women's interests or taking care of parents raising children. Second, how to transfer the house by loan after divorce? 1. Repay the loan in advance and cancel the mortgage registration of the bank mortgage loan. If you don't have a lot of cash to repay the loan in advance, you can consider redeeming the real estate license through some loan companies. After obtaining the real estate license, both parties go to the real estate registration department to handle the transfer. 2. If it is impossible to pay off the loan in one lump sum, you can negotiate with the loan bank to change the lender and re-sign the mortgage contract for housing loan. This kind of operation is more troublesome, because banks generally don't cooperate, because the risk of repaying loans is high and the workload is large. Divorced houses are more troublesome to divide, so be especially careful when dividing important property of both parties. If the related property is divided and the loan has not been paid off, the relevant homeowners can negotiate with the bank to handle such incidents according to their own actual situation, or they can handle them themselves.

Four, after the divorce, the house belongs to one party. How to deal with the loan?

1. If the divorce is settled through mediation or judgment, it is clear in the mediation or judgment that the house belongs to you, then there is nothing to do. This document is the legal basis for determining the ownership of the house. You can apply for your own real estate license directly by providing this certificate when you apply for real estate license.

2. If the divorce is an agreed divorce, the divorce agreement signed privately by both parties needs to be notarized by a notary office, and the notarized divorce agreement is equally valid. You can directly handle your own real estate license by providing a notarized divorce agreement when handling the real estate license.