According to the relevant regulations of the state, houses that are still in the repayment stage cannot be given or sold until the loan is paid off. You can add a name, or pay off the loan before giving it. Mortgage house donation transfer process:

1, first go to the bank to pay off the loan and go through the formalities of understanding the mortgage.

2. The donor and the donee shall sign a written donation contract.

3. The donating parties shall pay relevant taxes and fees to the tax authorities with personal certification materials such as house ownership certificate and gift contract.

4. The house gift must be notarized.

5. Bring notarization procedures and other supporting materials to the local housing transaction center to apply for transfer.

6. After the transfer is completed, the donor shall deliver the house to the donee and handle the final property transfer.

At present, some banks can handle the formalities of lending, that is, the donee needs to consult the bank to repay the remaining loans. Yoshiya real estate encyclopedia, buying a house needs more knowledge.