First of all, there are two ways to change the name of real estate:
1, purchase the house in full, and apply for registration at the real estate trading center after paying the handling fee;
2. The purchase of a house by loan shall be notarized as a gift. With the consent of the housing loan bank, both parties can go through the registration only when they bring their marriage certificate, household registration book, ID card and notarial certificate as gifts to the real estate trading center and pay the corresponding property tax.
Second, the housing mortgage loan conditions:
1. When the loan expires, the lender's actual age is no more than 65 years old;
2. The lender has stable economic income and no bad credit record, which proves that the lender has the ability to repay the loan principal and interest on time;
3. There is a legal and effective purchase contract;
4. If the newly purchased house is used as collateral, it must have paid a down payment of not less than 30% of the total price of the purchased house and have a legal and effective purchase contract; If you have purchased and applied for a mortgage loan, you must repay the original mortgage loan for more than one year, the outstanding balance of the loan is less than 60% of the value of the purchased house, and you have a real estate license and the age of the house is less than 10 years before you can apply for a mortgage loan again.
Legal basis: Article 21 of the Provisional Regulations on the Registration of Real Estate is completed when the registered items are recorded in the real estate register. When the registration is completed, the real estate registration institution shall issue a certificate of ownership of real estate or a registration certificate to the applicant according to law.