Legal analysis: you can add a name to the mortgage loan, but generally you must first obtain the consent of the loan bank. During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected.

Legal basis: People's Republic of China (PRC) Real Estate Management Law.

Article 60 The state practices a system of registration and certification of land use rights and house ownership.

Article 61 Anyone who obtains the land use right by means of transfer or allocation shall apply to the land administration department of the local people's government at or above the county level for registration. After verification by the land administration department of the local people's government at or above the county level, the land use right certificate shall be issued by the people's government at the same level. If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.

Provisional regulations on the registration of real estate

Fifteenth parties or their agents shall apply to the real estate registration agency for real estate registration.

Article 20 The real estate registration institution shall complete the real estate registration procedures within 30 working days from the date of accepting the application for registration, unless it is otherwise provided by law.