Names cannot be added until the loan is repaid. You cannot increase the number of tenants on a house with a loan unless you pay off the bank loan in advance, because when you take out a loan, the real estate certificate has been mortgaged by the bank, and you cannot go through any procedures for property rights at this time.

Because the addition or deletion of the name of the property in the mortgage affects the mortgagee's collateral risk, the registration fee is only 80 yuan for additional persons between husband and wife, and related or non-related persons other than the husband and wife. ***The number of people can only be increased by buying and selling shares.

Article 49 of the "Guarantee Law". During the mortgage period, if the mortgagor transfers the registered mortgage, it shall notify the mortgagee and notify the transferee that the transferred property has been mortgaged; if the mortgagor fails to notify the mortgagee or the transferee, the transfer shall be invalid.

Extended information

Scope of property and personal property owned by husband and wife:

Article 17 of the "Marriage Law" Couples who have property *** in marriage The following properties acquired during the relationship shall be owned jointly by the husband and wife:

(1) Salaries and bonuses;

(2) Income from production and business operations;

(3) Income from intellectual property rights;

(4) Property obtained from inheritance or donation, except as provided for in Paragraph 3 of Article 18 of this Law;

( 5) Other property that should be owned by the owner.

Husband and wife have equal rights to handle property owned jointly by ***.

Article 18 If the property of one spouse falls into any of the following circumstances, it shall be the property of one spouse:

(1) Pre-marital property of one spouse;

(2) Medical expenses, living allowances for the disabled and other expenses received by one party due to physical injuries;

(3) Property determined in the will or gift contract to belong only to the husband or wife;

(4) Daily necessities used exclusively by one party;

(5) Other property that should belong to one party.

Baidu Encyclopedia-Guarantee Law of the People's Republic of China