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 for 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 the bank will not give it because of the risk and workload of repayment.
Legal basis: Article 303 of the Civil Code of People's Republic of China (PRC) stipulates that in order to maintain the joint relationship, joint owners shall not divide the joint real estate or movable property, but shall follow the agreement. However, if the co-owners have serious reasons for division, they may request division; If there is no agreement or the agreement is unclear, the co-owners by shares may request division at any time. If the common foundation is lost or there are major reasons for division, the co-owners by shares may request division. If the division causes damage to other co-owners, compensation shall be given.