Legal analysis: the borrower, that is, the borrower, cannot be changed. If you want to change it, you must go through the same procedures as when you first applied for a loan. You need to give the new borrower's materials to the bank to apply for a loan, and before that, you have to pay off all the debts owed by the bank before you can lend again. Unless it is between husband and wife or in the case of divorce, some banks can change the mortgage repayment person, but they need to pay a handling fee.

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 common property of husband and wife and belongs to them:

(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;

(five) other property that should be owned by * * *.

Husband and wife have equal rights to dispose of the same property.