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.
Can I add a name to the house with a loan?
A house with a loan cannot be directly named. Generally, you need to pay off the loan to add people. Because the mortgaged house is in a mortgaged state, the increase or decrease of the property name will affect the mortgage risk of the mortgagee, and some people only need to pay the additional registration fee between husband and wife.
There is a process to add the name of the house to the loan: apply to the bank for early repayment, and the bank will settle all the arrears, and then go to the Housing Authority and the loan bank for mortgage cancellation with the information issued by the bank, real estate license and property owner's ID card. After the mortgage is cancelled, you can add your name.
There is absolutely no need to add a spouse's name in order to get married, because the marriage law stipulates that premarital property cannot be distributed when divorcing, and the time will be recorded when adding the name. Divorce cannot enjoy points, but the part that * * * repays the loan can be distributed.
The house purchased by the loan must be repaid on time, and there can be no overdue repayment. After overdue repayment, the bank will charge a penalty interest, and the longer it takes, the more it will be charged. If the mortgage is overdue, the bank will upload the overdue records to the credit information center, and personal credit information will affect the handling of various loans.
The house has a loan. Can couples add names?
You can add your spouse's name to the house with a loan, but you need the consent of the loan bank and pay some fees.
Go to the bank to change the mortgage (with the consent of the loan bank). Expenses required for handling: In addition to the small amount of work cost mentioned in the first case, if it is a provident fund loan, additional expenses are required 100 yuan; If it is a portfolio loan (commercial provident fund loan), 200 yuan handling fee will be added.
When couples add their names to the real estate license after marriage, they need to provide their identity certificate, marriage certificate, house ownership certificate, house registration application and other application materials. * * * After face-to-face signing with the competent department of housing registration, you can go through the formalities for changing the ownership of relevant houses.
"Adding a name" is not just as simple as adding a property owner's name to the real estate license. Legally speaking, "adding a name" is essentially an additional owner of a house. According to the current law, there are three ways to increase the owner of the house: gift, sale or property registration.
Can I add a name to the loan house?
No, because of risk control, banks don't agree to add names to houses with outstanding mortgages.
Because adding the name of the house with outstanding loans is equivalent to changing the borrower, the relationship between creditor's rights and debts has also changed accordingly, which has potential risks for banks.
In the future, if the two make trouble, there may be a situation in which the repayment cannot be made on schedule. In fact, adding names is a service business for banks, because this business does not generate profits, so many banks have no incentive to do it.
Adding a name is just a little troublesome in the operation of the program, which is equivalent to reapplying for a loan and going through the process again.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Self-operated loan
Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
Consortium lending
Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.
Loan amount: 80% of the value of the loanable property after being audited by the bank.
Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.
Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
What is the procedure for adding a name to a house with a loan?
Legal analysis: If a real estate license with a loan is added with a name, you need to go to the loan bank to go through the formalities of changing the mortgage (only the loan bank can add a name). If it is a provident fund loan, you need to pay an extra fee of 100 yuan; If the loan is in the form of combination: provident fund commercial loan, 200 yuan fee is required. Marriage certificate, ID card, real estate license and their copies need to be prepared accurately.
Legal basis: "Measures for Housing Registration in People's Republic of China (PRC)" Article 7 The Ministry of Construction of People's Republic of China (PRC) conducts housing registration cautiously in accordance with the following procedures: (1) Application; (2) acceptance; (3) review; (four) recorded in the Xiao Min register; (5) Issuing certificates. When the housing registration agency deems it necessary, it may make an announcement on the registered items. Eleventh to apply for housing registration, the applicant shall apply to the housing registration agency where the house is located, and submit the application materials for registration. The original application materials shall be provided. If the original cannot be provided, a copy confirmed by the relevant department to be consistent with the original shall be submitted. The applicant shall be responsible for the authenticity, legality and validity of the application materials, and shall not conceal the real situation or provide false materials to apply for housing registration.