1. It is understood that there are two main situations in which the spouse's name is added to the real estate license:
The first case: there is a house without a loan.
Required documents: original and photocopy of marriage certificate, ID card and real estate license.
Required process:
1. Go to the real estate trading center in the area where the house is located and tell you in the pre-inspection window that you are here to apply for the real estate license and add your spouse's name.
2. The window staff will review the submitted materials and give a number if the materials are complete.
3. Press the number to go to the relevant window.
The second situation: there is a house and a loan.
Required process: 1. Go to the bank to go through the formalities of mortgage change first. For details, please call the relevant bank.
Other processes are the same as "having a house without a loan"
How to add a name to a property?
One is to increase the number of co-owners of pre-marital housing property rights, and handle the transfer registration in the form of "gift" and "sale" according to the application of both parties.
Among them, if it is a gift, both husband and wife need to go to the notary office to apply for a gift certificate, and one husband and wife will give the property right to the other, and then both parties will go through the registration formalities at the center with the real estate license, ID card and notarial certificate; If it is a sale, both parties need to sign a sales contract, and then bring the real estate license, ID card and property tax payment certificate to the center for handling.
The other is to increase the co-owner of housing property rights after marriage, which belongs to correction registration. Citizens only need to bring their real estate license, ID card and marriage certificate to the real estate trading center.
Second, the loan purchase conditions
The conditions for purchasing a house by loan are as follows:
1.18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.
5. Self-raised funds of more than 30% of the total price of the purchased house (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee to be used to pay the down payment of the purchased house.
6. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.
Third, matters needing attention in buying a house with a loan
1. Don't use the provident fund before applying for a housing loan.
If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your personal provident fund account is zero, and your provident fund loan amount is also zero, which means that you will not apply for a provident fund loan.
2. Don't repay the loan in advance in the first year.
According to the relevant provisions of provident fund loans, the part of early repayment should be carried out one year after repayment, and the amount you return should exceed the repayment amount of six months.
Don't forget to find the bank around you if you have difficulty repaying the loan.
legal ground
People's Republic of China (PRC) Civil Code
Article 1063 The following property is the personal property of one of the spouses:
(1) one party's premarital property;
(2) Compensation or compensation obtained by one party for personal injury;
(3) Property that is determined to belong to only one party in the will or gift contract;
(4) Daily necessities used exclusively by one party;
(five) other property that should be owned by one party.
Article 1065 A man and a woman may agree that the property acquired during the marriage relationship and the pre-marital property shall be owned separately or jointly, or partially or jointly. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1063rd of this Law shall apply.
The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties.
The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife.
Article 1062 The following property acquired by husband and wife during the marriage relationship is the common property of husband and wife, and is jointly owned by husband and wife:
(1) Wages, bonuses and remuneration for labor services;
(2) Income from production, operation and investment;
(3) Income from intellectual property rights;
(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;
(5) Other property that should be jointly owned.
Husband and wife have equal rights in dealing with common property.