No Because the bank has the right to mortgage, as a mortgagor, it must be approved by the bank to dispose of the mortgaged property. If the bank agrees to add his son's name, it is ok to give it after the loan is repaid. However, ordinary banks will evaluate the repayment ability of donors to reduce their own risks.

If you want to transfer to others, you must take out the real estate license. There are two situations: one can repay the bank balance and recover the real estate license! In one case, you can't pay it yourself. There is a mortgage business in Fangtianxia, and you can also consult to recover the real estate license before you can transfer!

Extended data

Handling and cost issues

(1) Sign the confirmation letter

The first step of the gift procedure is for parents and children to sign a confirmation letter at the local housing authority and bring all relevant materials. The information includes: based on the property value, it is generally charged at 5‰ of the total assessed value, but it will not be less than 1000 yuan. The evaluation price of the gift program is usually low.

(3) Notarization of gifts

Gift notarization is a necessary procedure for the state notary office to prove that the gift behavior is true and legal. Notarization of gift requires the following materials: donor's ID card, original and copy of household registration book, gift book, gift list and ownership certificate.

Cost: The donation notary fee is 2% of the total value of the appraisal.

(4) Various taxes and fees

Under normal circumstances, real estate gifts need to pay deed tax, stamp duty and registration fee. The deed tax is 3% of the overall appraisal value of the house, and the stamp duty is 0.5% of the overall appraisal value. The land transfer fee of the house depends on the nature of the property donated to the house.

(5) Apply for a new real estate license

Baidu encyclopedia-real estate transfer