Many couples will write their names on the real estate license when buying a house, perhaps because they are used to this practice or feel safer. Of course, in some cases, couples will consider adding each other's names, such as giving away or exchanging rights. However, if a house has been mortgaged and you can't add your wife's name, what should you do at this time?

First of all, we should know why we can't add our wife's name. Generally speaking, you can't add your wife's name for the following reasons:

1. The lender's credit status and income status are insufficient to support adding another borrower's name.

2. The loan contract is signed by only one lender, and the ownership of the house has only one name.

3. In the loan contract signed between the lender and the bank, there is no clause that can increase the guarantor or borrower.

So, what should I do in this situation?

Step 1: Know the specific situation.

If you can't add your wife's name, you need to know the specific situation first, including the owner of the real estate license, the credit status of the lender, and the loan contract signed by the lender and the bank.

If there is only one person's name on the real estate license, then there is no problem that the wife's name cannot be added; If there are two names on the real estate license, but only one name on the loan contract, then the problem lies in the agreement between the lender and the bank.

If the lender's credit status and income status are not enough to support the addition of another borrower's name, then other solutions need to be found.

Step 2: Find other solutions.

Many times, even if you can't add your wife's name, there are other solutions. Here are some possible ways:

1. Give or exchange housing rights and interests

In some cases, couples can give or exchange rights and interests. This means that the husband and wife can transfer the ownership of the house to the other spouse through legal procedures. One thing that should be paid attention to in this method is that relevant legal procedures and regulations must be observed, otherwise legal problems may arise.

2. Transfer the ownership of the house to the spouse through the will.

If the lender owns the house ownership, he can transfer the house ownership to his spouse through his will. This also requires compliance with relevant legal procedures and regulations.

3. Add * * * and guarantor

If the lender's credit status is not enough to support adding another borrower's name, then consider adding * * * as a guarantor. * * * The co-guarantor may be the lender's spouse, parents or other people with good credit records. * * * With a guarantor, you must bear the corresponding debt responsibility. If the lender fails to repay the loan on time, the guarantor needs to bear the corresponding responsibilities.

4. Re-apply for loans

If the lender's credit status and income status are not enough to support adding another borrower's name, then you can consider re-applying for a loan. This method needs to re-apply for a loan and re-evaluate the credit status and income status of the lender.

It's not that there is no solution. You can't add your wife's name. As long as we know the specific situation and find other solutions, we can solve the problem smoothly. However, when choosing other solutions, we must abide by relevant legal procedures and regulations to avoid legal problems.