Personally, I think it is better to write my parents' names.
This question mainly depends on what you and your partner think in the future. Generally speaking, the house belongs to the person who writes the name. The first is about mortgage loan. First of all, it depends on your family's economic conditions. Parents' loan amount is definitely not as much as yours. If the loan in their name is enough, use theirs. If you have a provident fund, you can also use your housing provident fund at a low interest rate. However, the number of times you can use the provident fund is limited, depending on whether you use it in the future.
The second is about property rights. I don't know if you have a house, and I don't know what personality your object is. Your object's house is counted as premarital property. You're not married. Write down your name. After marriage, the ownership of this house is more troublesome. If your partner has an idea, that's not good.
Advice for you:
Decide whose name to use according to economic conditions. No matter whose name is written, it must be notarized by the notary office. Even if your parents' names are not notarized and there is no will, you can inherit them. Your brother is only half.
Second, whose name is the loan to buy a house?
Who wrote the IOU?
Third, whose name should I write for the loan to buy a house?
If you buy a house with a loan, you can write the names of two people. 1. If they are husband and wife, according to whether they are first-hand houses or second-hand houses, provide the following materials: mortgage loan for first-hand houses. If you buy a newly developed new house, you need to apply for a mortgage loan from the lender. \ Requirements for loan procedures: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income and certificate of guarantee company. 2. Second-hand housing mortgage loan requirements: identity certificates of buyers and sellers, household registration book, marriage certificate, house title certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and certificate of no house. Two, if the two do not belong to the relationship between husband and wife, in addition to the above materials, but also need to provide their own husband and wife identity certificate, marriage certificate, etc.
4. whose name is written on the real estate license to get the loan?
When handling the real estate license, you must write the name of the lender, and the real estate license can be added.
The first case: the process of handling a house without a loan is: 1. Bring the originals and copies of the three certificates (marriage certificate, ID card and real estate license). 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. Fee for adding the name of the real estate license: 1 10 yuan handling fee. The details are as follows: 80 yuan production fee, 25 yuan cadastral map fee and 5 yuan sticker fee. If you succeed in 20 days, you can get a new real estate license. 4. You can set a password for the new real estate license, and the real estate trading center will inform you of an initial password, which can be changed later. In the second case, the process of handling a house and a loan is: 1. Go to the bank to go through the mortgage change procedures first (please consult the bank for details). 2. Fee for adding the name of the real estate license: In addition to the above-mentioned 1 10 yuan, if it is a pure provident fund loan, an additional fee of 100 yuan is required; If the loan is in the form of portfolio (provident fund commercial loan), it shall be paid separately to 200 yuan. 3. Other steps are the same as "having a house without a loan". The third case: if you are not married or have no direct blood relationship, you need to add your name to the real estate license, which will be much more complicated, because it will be regarded as a house sale and you need to pay the following fees. 1, 2.5 yuan transaction fee per square meter. 2. If it is less than 5 years, 5.5% business tax plus 1% personal adjustment tax (the time period is from the date when the real estate license is issued to the end of the trading day), and it is not needed for 5 years. 3. Stamp duty of five ten thousandths. 4. This contract is in 5 yuan (different trading centers in different districts). When the man transfers 50%, all taxes are calculated according to the market price. If the house with 654.38+0 million yuan is worth 500,000 yuan. 6. If several people transfer the title certificate, the rights and interests of the title certificate shall be divided equally.