Legal analysis: property change between husband and wife requires repayment. If the property of husband and wife is renamed, if it is within marriage, the loan needs to be paid off, otherwise the bank will not handle it. If it is a divorce, you don't have to repay the loan, just refinance the mortgage, and provide the divorce certificate and the identity information of both parties. The real estate license belongs to both parties, and the changes are shared by both parties. There are no disputes such as mortgage, seizure, freezing and preservation of houses. Therefore, if a house with a loan wants to change the name of the husband and wife, it must first pay off the loan.

Legal basis: The establishment, alteration, transfer and extinction of the real right of immovable property in 208th of People's Republic of China (PRC) Civil Code shall be registered according to law. The establishment and transfer of the real right of movable property shall be delivered according to law.