Current location - Loan Platform Complete Network - Bank loan - Can I add a name to the real estate license of the loan?
Can I add a name to the real estate license of the loan?
First, can I add a name to the real estate license of the loan?

Yes, but the procedure is very troublesome. One of the best ways is to add your name directly after marrying your girlfriend, without paying any other taxes. If you add your name like this, you have to pay a lot of taxes.

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

A house with a loan cannot be directly named. Generally, you need to pay off the loan to add people. Because the mortgaged house is in a mortgaged state, the increase or decrease of the property name will affect the mortgage risk of the mortgagee, and some people only need to pay the additional registration fee between husband and wife.

There is a process to add the name of the house to the loan: apply to the bank for early repayment, and the bank will settle all the arrears, and then go to the Housing Authority and the loan bank for mortgage cancellation with the information issued by the bank, real estate license and property owner's ID card. After the mortgage is cancelled, you can add your name.

There is absolutely no need to add a spouse's name in order to get married, because the marriage law stipulates that premarital property cannot be distributed when divorcing, and the time will be recorded when adding the name. Divorce cannot enjoy points, but the part that * * * repays the loan can be distributed.

The house purchased by the loan must be repaid on time, and there can be no overdue repayment. After overdue repayment, the bank will charge a penalty interest, and the longer it takes, the more it will be charged. If the mortgage is overdue, the bank will upload the overdue records to the credit information center, and personal credit information will affect the handling of various loans.

3. Can the loan add a name to the house?

If the house has a loan, you can't add the name directly. Generally, you add someone. Because the increase or decrease of the name of the mortgaged house will affect the risk of the mortgagee's collateral, some people only need to pay the additional registration fee between husband and wife.

There is a process for adding the name of the house loan: apply to the bank for prepayment, and the bank will settle all the arrears. After the mortgage is released, the name of the property owner's ID card can be added.

There is absolutely no need to add a spouse's name in order to get married, because the marriage law stipulates that premarital property cannot be distributed when divorcing, and the time will be recorded when adding the name. Divorce cannot enjoy points, but the part that * * * repays the loan can be distributed.

The house purchased by the loan must be repaid on time, and the bank will not charge penalty interest after overdue repayment. If the mortgage is overdue, the bank will upload the overdue record to the credit information to handle the loan.

4. Before marriage, the man borrowed money to buy a house, but the loan has never been paid off. He wants to add the woman's name after marriage. Is it okay?

You can't add your name until the loan is paid off.

1. A house with a loan can't live in * * * unless the bank loan is paid off in advance, because the real estate license has been mortgaged in the bank at the time of self-loan. It is impossible to handle any property rights formalities at this time.

2. Article 49 of the Guarantee Law. During the mortgage period, if the mortgagor transfers the registered mortgaged property, it shall notify the mortgagee and inform the transferee of the mortgaged property; If the mortgagor fails to notify the mortgagee or assignee, the transfer is invalid.

3. Because the increase or decrease of the name of the mortgaged property affects the mortgage risk of the mortgagee, a number of people can be added only by the 80 yuan registration fee between husband and wife, and related parties or unrelated parties other than husband and wife can only add * * * people by buying and selling shares. Specific process: 1) Apply to the bank for prepayment. 2) Make advance payment and obtain settlement vouchers, other warrants and other information. 3) Take the information issued by the bank, the real estate license and the property owner's ID card to the Housing Authority's loan bank to go through the mortgage cancellation procedures. 4) The current property owner and the * * * owner bring their ID cards, household registration books and marriage certificates to the Housing Authority to go through the formalities of renaming or transferring the * * * owner. Extended data:

Husband and wife * * purchase the house during the marriage by the property agreement 1 in the property. If there is no clear agreement between husband and wife, only one party's name is written on the real estate license, which is deemed as the joint property of husband and wife. 2. If the property right purchased by both parents is registered in the name of one child, the property can be regarded as shared by both parties according to their respective parents' share of capital contribution, unless otherwise agreed by the parties. 3. The house bought belongs to husband and wife. At the time of divorce, if one party wants to have the right to use the house, it will be allocated to the other party after evaluation by the evaluation unit; If both parties want to own a house, they will bid; If neither side wants a house, the people will auction it and distribute it.

4. Property that is not owned by * * * and purchased by one parent for their children after marriage, whose property right is registered in the name of the investor's children, can only be regarded as a gift to one of their children according to the provisions of the Marriage Law, and the property should be regarded as the personal property of one spouse.