You can add your name, but you have to get the consent of the loan bank.

Is there a loan and naming process for the house?

1. Go to the bank to go through the mortgage change procedures first (please consult the bank for details).

2. Fees to be paid for adding the name of the real estate license.

3. Bring the original and photocopy of the three certificates (marriage certificate, ID card and real estate license).

4. If you want to go to the real estate transaction in the area where the house is located, first inform you in the pre-inspection window that you are here to apply for the real estate license and your spouse's name. The window staff will review the materials you submitted, and if the materials are complete, they will give you a number, and then take the number to the relevant window.

5. Registration fee for real estate license: 1 10 yuan. The details are as follows: 80 yuan's production fee, 25 yuan's cadastral map fee and 5 yuan's posting fee. If it goes well, you can get a new real estate license in 20 days.

6. You can set a password for the new real estate license. The real estate transaction will tell you an initial password, which you can change afterwards.

2. Can I add a name to the house loan?

Before the mortgage is paid off, it is generally impossible to add a name to the real estate license. If you want to add a name to the real estate license, the customer must first pay off the mortgage and go through the mortgage formalities at the local housing authority before adding a name to the real estate license. Mortgage loan refers to a loan business conducted by mortgage. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase the housing provide regular guarantee. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process. Procedures for mortgage loan The specific procedures for buyers to apply for real estate mortgage are as follows: (1) Choosing real estate If buyers want to obtain real estate mortgage service, they should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans. (2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan. (3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents. (4) After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specifies the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan. (5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off. (6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.

3. Can I add my spouse's name if the house has not paid off the loan?

If the house has not paid off the loan, you can add your spouse's name. In mortgage to buy a house, only one name can be written on the contract. Because mortgage purchase can only be handled according to the principle that whoever borrows money signs it, so as to ensure that the signatures on the real estate license purchased by Sakura Tan are unified. The title certificate and the title certificate, if accompanied by the title certificate, can legally indicate the ownership of the property, and both parties agree on their respective capital contribution or share.

How to add a name to the real estate license?

1, Ji Fang Huitong loan has been paid off. If the mortgage is paid off, the process of adding the name between husband and wife after marriage is very simple, such as ID card, household registration book, marriage certificate and real estate license. You can apply directly to the local housing management department to add a name to the real estate license. If approved, you can get a new real estate license in 20 working days.

2. The property is still there. The process of adding spouse's name requires the parties to go to the bank to apply for mortgage, and the local housing management department can get a new real estate license after re-applying.

Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC).

The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

The ownership of natural resources owned by the state according to law may not be registered.

Article 2 10

The registration of real estate shall be handled by the registration agency where the real estate is located.

The state implements a unified registration system for real estate. The unified registration law is stipulated by laws and administrative regulations.

Hello friends, who knows that the house has a loan and can add someone else's name? ...

Loans to buy a house are all the same, whose name should be written on the borrower's real estate license, and the borrower's real estate license can be added with a name. First of all, the benefits of using provident fund loans, house purchase contracts and loan information to borrowers and provident fund. Two, provident fund loans refers to the permanent residence in local towns, the establishment of housing provident fund system for more than 2 years, and in accordance with the provisions of the payment of housing provident fund workers. In the purchase and construction of housing or self-owned housing renovation and overhaul funds are insufficient, you can enjoy provident fund loans. Three, the loan conditions: the borrower and his family members paid the total provident fund at least 30% of the new purchase, construction (overhaul) housing expenditure; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.