Legal analysis: you can apply for a mortgage loan, but you don't have to transfer the ownership of the husband and wife, because the husband and wife are the same property and you can change the name of the house directly. The procedure of property transfer between husband and wife is very simple. To the local real estate trading center or government service center, you only need to go through the formalities of changing the name of the real estate, and you can apply, review and approve. Low cost, mainly cost and 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 * * *.