It is not necessary to pay off the loan when the house is renamed. If the house has a loan, you should go to the bank to go through the mortgage change procedures first. For the specific operation process, it is recommended to consult the loan bank, and then go to the real estate trading center in the area where the house is located with the original and copy of the marriage certificate, ID card and real estate license, and go to the pre-inspection window to review the submitted materials. After the materials are fully reviewed, they shall be handled at the relevant window with the serial number given by the staff.

New policy of real estate license demotion

1. If it is a lawsuit divorce, one party needs to bring information to the Housing Authority to apply for renaming the real estate license. The materials needed to change the name of real estate license include: ID card and its copy, effective judgment, information that can show that married couples have property, application form for registration of house property right change, and house ownership certificate.

2. If you want to subtract the name from the real estate license, you need to handle all the names on the real estate license in person. Without them, you can't handle it, otherwise you can't handle it, because there are multiple names on the real estate license, and the property rights of the house belong to multiple people, and no one can deprive others of their ownership. Once you subtract the name, it means that you have no ownership of the house, so anyone who gives up the property right must handle it in person.

3. If the husband and wife add or subtract their names on the real estate license, deed tax will not be collected during the handling process, but it is regarded as a sale between parents and children, so deed tax will be collected; The name reduction is similar to the share transfer, and the specific process is roughly the same as the normal housing transaction. You only need to pay a certain deed tax, and the deed tax fee ranges from 1%-3%.

4. Among them, it is the first time to buy ordinary houses below 90 1%, the first time to buy ordinary houses above 90 square meters 1.5%, and the third time to buy ordinary houses or non-ordinary houses is 3%.

How much does it cost to apply for a real estate license name?

The tax required to remove the name of the real estate license is at least 6,000 yuan, and the crime is 1.8 million yuan. The specific needs depend on different situations:

1, remove the name of the donated property right.

If the real estate license is a gift, the expenses involved mainly include notary fees and deed taxes. The donated property right is determined at 2% of the current market price of the house. Personal income tax and business tax can be exempted, but deed tax cannot be exempted. Ordinary rental and non-ordinary housing are all 3%.

2. The nature of real estate license is sold by name.

If the property belongs to the nature of buying and selling, then the main expenses of the design include business tax, individual tax and deed tax, which are divided into the following two situations:

(1) If the property is more than five years old, it shall be exempted from business tax, and at the same time, it shall be exempted from individual tax. Deed tax and property right transfer registration fee shall be paid;

(2) If the property is less than five years old, business tax and individual tax shall be paid, and deed tax and property right transfer registration fee shall be paid at the same time. If we simply compare these two things, it must be a good deal and cost less.