1. Early repayment: cancellation of mortgage registration of 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 the loan company. After obtaining the real estate license, both parties go to the real estate registration part 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.

The steps of mortgage house transfer after divorce are mainly as follows:

1. Both parties need to ensure that the mortgage loan has been paid off. If the loan cannot be paid off temporarily, the divorced party can choose to apply to another bank for re-mortgage in its own name, and then go through the transfer formalities after the real estate license mortgaged by the bank is lifted.

Next, the divorced parties need to go to the local housing authority for online signing, and bring the online signing contract to the tax verification window for tax verification.

2. Both parties shall go through the formalities of mortgage house transfer in the registration hall with the tax approval form.

After completing the transfer formalities, you will receive a car pick-up slip, which will indicate when to get a new real estate license.

At the appointed time, both parties need to pay taxes at the payment window with the bill of lading.

5. After paying taxes, bring the tax bill to the ticket collection window to get a new property certificate.

To sum up, the transfer of mortgage house after divorce involves paying off the loan, online signing, tax verification, transfer procedures, paying taxes and obtaining a new real estate license. In this process, both parties need to ensure that the information provided is true and effective, and operate according to the guidelines and requirements of relevant departments. At the same time, because the re-mortgage procedure may be complicated, some banks may have stopped this business. In practice, other ways may need to be considered, such as transferring ownership through normal transaction processes, or continuing to use the original mortgagor's bank card for repayment after notarization of the property in the notary office.

Legal basis:

Regulations on registration of real estate

Article 15

The parties or their agents shall apply to the real estate registration agency for real estate registration. 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.