A house with a loan cannot be named.

Generally speaking, a house with a loan cannot be named. When the house is mortgaged, the bank and the Housing Authority shall not change the owner. The mortgage has not been repaid, so you can't handle the business of "adding * * *".

The legal term of "adding name to real estate license" is "registration of change of house ownership". The premise of change registration is that the house is not in the state of limited rights, and the real estate is in the state of mortgage, seizure and freezing, so it is impossible to apply for change registration.

At present, most young people choose mortgage loans to buy houses, and commercial houses are in a state of mortgage. Only after the loan is paid off and the mortgage is released can the ownership change be handled.

How to add a name to the real estate license;

1, gift

Suppose Mr. Zhang, the property owner, wants to add his son's name to the property certificate, then he can choose to give part of the property right to his son.

2. Purchase and sale

You can apply for registration of real estate transfer to the transaction registration department of the State Bureau of Land and Housing Management with the application for registration of real estate transfer, the real estate sales contract, the surveying and mapping drawings issued by the real estate surveying and mapping department, the original real estate title certificate, identity certificate and other materials, and add your brother as the owner of the house.

3. Production analysis

Adding house owners through real estate analysis and registration is only applicable to couples. If you want to add your spouse's name to the real estate license, you can choose not only the way of gift and sale, but also the way of real estate analysis and registration.

Can I add a name to the loan?

The house in the loan can be named. The relevant procedures are: 1. Go to the bank to go through the mortgage change procedures first (please consult the bank for details). 2. Go to the real estate trading center in the area where the house is located, and let you know in the pre-inspection window that you are here to apply for the real estate license and add your spouse's name. The window staff will review the submitted materials, give you a number if the materials are complete, and then take the number to the relevant window. 3. Pay related expenses

Legal basis:

Article 297 of the Civil Code of People's Republic of China (PRC) * * * A realty or chattel can be owned by two or more organizations or individuals. * * * includes * * * and * * * with * * *.

Article 272 The owner has the right to possess, use, profit from and dispose of the exclusive part of his building. The owner's exercise of rights shall not endanger the safety of the building or damage the legitimate rights and interests of other owners.

Can I add a name to a house with a mortgage?

You can't.

Generally, houses with loans cannot be named. After buying a house with a loan, you can't add your name to the real estate license if you are in the period of repaying the mortgage. Because the name to be added to the real estate license belongs to the "registration of change of ownership of the house", and the premise of the change of registration is that the house cannot be in a state of limited rights, and the house that is loaned to buy a house is in a state of mortgage, naturally there is no way to add the name to the real estate license.

If you want to add your name to the real estate license after buying a house with a loan, you must first pay off the loan, go through the mortgage cancellation procedures and transfer the house to your own name. Only when you have the ownership of the house can you add your name to the real estate license.

If you buy a house with a pre-marital loan, it is counted as personal pre-marital property, and you are still in the mortgage repayment period after marriage, but if you want to add a name to the real estate license, you can "curve rename" by changing to a mortgage loan. In other words, if you find a mortgage company to redeem the deed and borrow money to pay off the loan, you can go through the formalities of adding a name, and then re-mortgage the house with a pure mortgage loan.

Many property buyers may not know that houses with loans cannot be named casually. Because if you borrow money to buy a house, this house means that you and the bank have property. Without the consent of the bank, you can't change the property right of the house at will.

Of course, there is nothing I can do. Theoretically, there are two modes of operation. The first way is to obtain the bank's consent to change the property right and add the name; The second way is to pay off the bank loan, change the property right and add the name. But from my practical experience, the feasibility of the first method is extremely low, and the feasibility of the second method is high.

If the bank loan is not paid off, the ownership of the house belongs to you and the bank, and the change of property rights must be approved by the bank.

First of all, you should understand that the real estate bureau is an institution that handles property rights changes. The government's credit guarantees the ownership and legitimacy of your property rights, and others have no right to manage it. Theoretically, the property right belongs to you. As long as it doesn't violate laws and regulations, the real estate bureau has no right to prevent you from changing property rights.

Secondly, before you pay off the loan, the house does not belong to you personally, but to you and the bank. You bought the house through a loan from the bank, and the property right of the house belongs to the collateral, so you must get the consent of another property owner, the bank, before you can make any changes to this collateral.

For an inappropriate analogy, if you want to change the company's equity in cooperation with a bank, you must get the consent of the major shareholder bank, otherwise an incompetent person will lead to a decline in the stock price, which will affect the interests of the bank.

Banks have this service content and will refuse to add names in actual operation.

Generally speaking, most banks have this service, but in practice, it is basically equivalent to not having this service, because even if you successfully apply for this service, you may eventually get a reply that the bank refuses to add a name. This is because banks have little incentive to promote this service for the following two reasons:

1. Banks waste a lot of manpower and material resources, but they are unprofitable.

The operation of adding a name is actually to change the operation of the mortgagor, which is more complicated than the process of applying for a loan for buying a house. It is equivalent to reapplying for a loan in the name of two people. In this process, you don't need to pay any cost, but the bank has to pay a lot of manpower and material resources to change, and the interest earned by the bank remains unchanged, so think about it, is there any incentive for the bank to add a name for you?

2. Changing the lender increases the risk of bank funds.

Your house loan business is zero risk in the bank's business system, because you have passed the loan review and repaid on time. If the lender is changed, the capital risk of the bank will be increased invisibly. After all, if the lender changes, the bank will not lend you one person, but become two people. Maybe you think it's safer for two people to repay the loan?

The risk assessment of banks is not like this. Adding a lender, whose financial ability and repayment ability are unfamiliar to banks, invisibly increases the potential risks.