Legal analysis: There are three solutions to the lender's renaming: 1. If the mortgaged house is transferred to one party, both parties shall register the house first, change its name to one party, and continue to pay the mortgage; If the house mortgaged by one party is transferred to the other party, the loan must be paid off first. If the loan has not been paid off for the time being, the parties may apply to another bank for re-mortgage, and then cancel the mortgage property certificate and transfer the ownership; 3. If the mortgaged house shared by both parties is transferred to a third party, the transfer can only be completed after the loan is paid off or the third party pays off the loan.

Legal basis: Article 1087 of the Civil Code of People's Republic of China (PRC) (hereinafter referred to as "Civil Code"), in case of divorce, the joint property of husband and wife shall be handled by mutual agreement; If the agreement fails, the people's court shall make a judgment based on the specific circumstances of the property and the principle of taking care of the rights and interests of the children, the woman and the innocent party. The rights and interests enjoyed by husband and wife in the contracted management of family land are protected according to law.