If you have a loan, you have to pay it off before you can change your name. This name change is not a sale or a gift, but a change registration between husband and wife. The registration authority will indicate that both parties apply to register the house in the name of one of the husband and wife.

Legal basis: Article 209 of the Civil Code establishes, changes, transfers and extinguishes the real right of immovable property, which will take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

Natural resources owned by the state according to law may not be registered.

Article 14 of the Provisional Regulations on the Registration of Real Estate applies for the registration of real estate due to sale, mortgage, etc. , both parties apply together.

In any of the following circumstances, the parties may apply unilaterally:

(a) unregistered real estate for the first time to apply for registration;

(2) Inheriting or accepting bequests to acquire real estate rights;

(three) the establishment, alteration, transfer or elimination of real estate rights by effective legal documents or decisions of the people's government;

(four) the name, ownership or natural conditions of the obligee have changed, and the application for registration of change has been made;

(five) the loss of real estate or the right holder to give up real estate rights and apply for cancellation of registration;

(six) to apply for registration of correction or objection;

(seven) other circumstances stipulated by laws and administrative regulations that can be unilaterally applied by the parties.

Article 15 of the Provisional Regulations on the Registration of Real Estate, the parties or their agents shall apply to the real estate registration agency for the registration of real estate.

The real estate registration agency records the application for registration in front of the real estate register, and the applicant may withdraw the application for registration.

Article 20 of the Provisional Regulations on the Registration of Real Estate, the real estate registration institution shall complete the registration procedures of real estate within 30 working days from the date of accepting the application for registration, unless otherwise provided by law.

Article 21 of the Provisional Regulations on the Registration of Real Estate is registered when it is recorded in the real estate register.

Upon completion of registration, the real estate registration agency shall issue the certificate of ownership of real estate or registration certificate to the applicant according to law.