The provident fund loan property certificate is in the hands of the home buyer. After applying for a provident fund loan to buy a house, the home buyer needs to mortgage the house he bought. However, when the real estate certificate is obtained, it will still be in his hands. He just needs to go through the mortgage procedures. 1. Can I add my name to a house with a mortgage loan? Can I add my name to a house with a mortgage loan? If the mortgage loan has already gone through the mortgage procedures, then you need to go through the mortgage procedures at the lending bank first. Only after completing the mortgage change procedures can the parties add their names to the real estate certificate. If you haven't gone through the mortgage procedures yet, you can also go through it directly at the housing management office. However, you need to prepare relevant documents, such as marriage certificate, ID card, real estate certificate, etc. 2. Should the property certificate of a house bought with provident fund be mortgaged to the bank? The property certificate of a house purchased with provident fund must be mortgaged to the bank. When purchasing a house with a provident fund loan, the property certificate is used as collateral and can only be collected after the loan is repaid. For provident fund loans guaranteed by a guarantee, the borrower does not need to go to the Housing Authority to obtain the real estate certificate, and the guarantee will collect the real estate certificate on his behalf. After that, the property owner must bring the original ID card to guarantee the collection. 3. There is pre-mortgage in the real estate certificate status. Advance notice registration: refers to the parties signing an agreement to buy or sell a house or other real estate property rights. In order to ensure the realization of the property rights in the future, according to the agreement, they can apply to the registration authority for advance notice registration. For example, in the pre-sale of commercial housing, buyers can register in advance for unfinished housing to restrict developers from reselling or mortgaging the houses that have been sold. Pre-mortgage registration system: When the purchase contract between the home buyer and the developer and the loan contract between the home buyer and the bank are signed, pre-mortgage registration is immediately generated on the housing management bureau's filing system to exclude third parties from exercising the property. right. The relevant legal basis related to this article is Article 34 of the "Urban Real Estate Mortgage Management Measures". If the real estate with a house ownership certificate obtained in accordance with the law is mortgaged, the registration authority shall record other rights on the "House Ownership Certificate", and then the mortgagor shall Receipt. And issue the "Other Property Rights Certificate" to the mortgagee.