Can I change the name of a fund-raising house without a provident fund loan without a certificate?

You cannot change the name casually.

For a house that has received a provident fund loan, the name cannot be changed before the house is handed over (that is, the certificate has not been obtained). If you buy a house with a provident fund loan, the name of the house owner's provident fund will be on the property certificate. And we need to make one concept clear: changing the name of a house that has not obtained the real estate certificate is not transfer of ownership. Since you have started to repay the loan, it is necessary to prove that the house has been registered between the bank and the housing authority, which is what you mentioned. Advance registration means that the property rights of the house belong to the bank before you pay off the loan.

The housing provident fund refers to state agencies and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social groups and their employees Employees, long-term housing savings with equal contributions. Starting from July 1, 2017, all housing provident fund management centers across the country will handle the off-site transfer and continuation of housing provident funds through the platform in accordance with the requirements of the "National Operating Procedures for the Transfer and Continuation of Housing Provident Funds in Other Places" issued by the Ministry of Housing and Urban-Rural Development. On July 1, 2021, the People's Republic of China and the Ministry of Housing and Urban-Rural Development determined the national housing provident fund service logo and decided to activate it from now on.

How to change the name of a house with provident fund loan after divorce? Where to change

Add names to pre-marital property and after marriage. These two words are related to the subsequent determination of property ownership, so it is very important to clarify this point, which determines the division of property after divorce. The specific situation depends on the situation of the real estate. So how do I change the name of a house bought with a provident fund loan after a divorce? How do I change the name of a house bought with a provident fund after a divorce?

Pre-marital property will be named after marriage. These two words are related to the subsequent determination of property ownership, so it is important to clarify this point, which determines the division of property after divorce. The specific situation depends on the real estate situation. So how do you change the name of a house bought with a provident fund loan after a divorce? How do you change the name of a house bought with a provident fund after a divorce?

How to change the name of a house with provident fund loan after divorce

Regarding what to do with provident fund loan after divorce, the relevant judicial interpretation has the following provisions: "Both parties have the same property as husband and wife." When an agreement cannot be reached on the value and ownership of the house, the people shall deal with it according to the following circumstances: (1) If both parties claim the right to the house and agree to bid to obtain it, it shall be allowed;

( 2) If one party claims the right to the house, the evaluation agency will evaluate the house according to the market price, and the party that obtains the right to the house shall give corresponding compensation to the other party;

(3) Neither party claims the right to the house. , the house will be auctioned according to the application of the parties, and the proceeds will be divided. ”

This can also be done for those who have already applied for a property ownership certificate.

1. First, raise funds to pay off the remaining provident fund loan and take out the mortgaged real estate certificate;

2. Secondly, present the divorce judgment or divorce agreement to the real estate transaction to transfer the real estate certificate Change to the name of one party;

3. The party who later owns the property can re-apply for a loan to the provident fund management with the divorce judgment, divorce agreement, divorce certificate, etc.

For those who have not yet applied for the property rights certificate and are still within the mortgage period, they should negotiate with the development company to complete the relevant procedures to complete the property rights change procedures. The purpose of this is to solve the problem of property ownership of the house; the second is to transfer the former property rights. Once the borrower or the borrower is unfrozen, he will have nothing to do with the house or the loan in the future.

Where to change the name of a house with provident fund loan after divorce

1. After the contract is notarized, the buyer and seller can prepare the relevant information and go to the housing management transaction where the house is located to register. , to apply for the transfer and name change procedures, you also need to declare the sales price of the house. The real estate management transaction will review the information and price we declared. After the review is completed, we will give us a written reply regardless of whether it is approved or not.

2. After receiving the approval letter from the housing management, you can start to handle the follow-up procedures for the property name change. For buyers who need a loan to buy a house, a house with a provident fund loan needs to go to the For banks to handle loan-related matters, they also need to prepare the down payment and so on.

The above is an introduction to how to change the name of a house with provident fund loan after divorce and where to change the name of a house with provident fund loan after divorce. After completing the above procedures, both spouses need to hold valid identity documents. , Household registration book, land certificate, real estate certificate, marriage certificate and other relevant documents can be transferred to the real estate transaction department to handle the transfer procedures.

The housing provident fund loan can be changed after divorce

Applicants who meet the application conditions for changing the borrower should bring the following application materials to the original lending bank to apply.

1. Basic personal information: If the original borrower is divorced, provide divorce certificate or judgment or divorce agreement stamped with the seal of the civil affairs department and four copies; notarization proving that the applicant has the right to transfer the property A letter or judgment or mediation letter or an agreement stamped with the seal of the civil affairs department and four copies.

2. Applicant information: applicant’s ID card and four copies; applicant’s city household registration book or blue-printed household registration book or temporary residence permit and two copies; applicant’s Housing Provident Fund Dragon Card; Name seal in block letters.

3. Loan information: The applicant shall provide the original loan contract.

4. Credit information: The applicant and the person whose name has been changed should sign two copies of the "Statement of Consent to Inquiry of Personal Credit Report and Housing Provident Fund" in person at the lending bank.

5. Guarantee information: If the original loan contract is a guarantee, the applicant shall provide the original mortgage contract.

6. Other information required by the Municipal Provident Fund Management Center and the lending bank.

Legal basis:

Article 1076 of the "People's Liberation Army and Civil Code of the People's Republic of China" If both spouses voluntarily divorce, they shall sign a written divorce agreement and appear in person. Apply to the marriage registration authority for divorce registration.

The divorce agreement should state the intention of both parties to divorce voluntarily and the consensus on matters such as child support, property and debt settlement.

This is the end of the introduction on provident fund loan name change and how to calculate the provident fund loan name change fee. I wonder if you found the information you need?