The house is the property owned by the couple before marriage. After the divorce, it is awarded to the woman through the divorce agreement. Since the bank mortgage has not been paid off, the transfer cannot be done at this time.
If you want to handle this type of housing transfer, there are two methods:
Method 1: The woman raises funds to pay off the loan, and after completing the property certificate, deed tax certificate, and land certificate of the house. Then both parties will go to the housing management department to apply for the divorce and property transfer to the woman with their ID cards, household registration book, divorce certificate, divorce agreement and the above three housing certificates.
Method 2: There is currently no money to pay off the loan. Both parties must keep the divorce agreement. After the housing loan is paid off in the future, both parties will hold their respective ID cards, household registers, divorce certificates, divorce agreement and three housing certificates, and go to the housing management department together to handle the separation and transfer of the divorced housing property to the woman. If the man refuses, the woman can sue the man to defend her rights according to the divorce agreement.