For example: the housing loan is paid off without mortgage, and there are real estate licenses, deed tax certificates and land use rights certificates. Both parents need to hold their ID cards, household registration books, marriage certificates and the above three kinds of housing certificates; Children need ID card, household registration book, proof of marital status, minor premise and birth medical certificate. Both parties shall consult the housing management department to which the house belongs and handle the house transfer procedures.
The mortgage loan process includes:
1. loan application: the borrower proposes the purpose, amount and term of the loan;
2. Preparation of loan materials: The borrower and the mortgagor prepare all the documents and certificates required to apply for a loan as required, including my spouse's ID card, household registration book, income certificate, personal consumption contract, proof of marital status, etc. Property ownership certificate, owner's and spouse's ID card, household registration book and proof of marital status;
3. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses;
4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the bank for approval;
5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary;
6. Mortgage registration procedures: the bank shall go through the mortgage registration procedures at the property right office with the house ownership certificate and notarized loan contract;
7. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.
To sum up, in China's laws, it is stipulated that parents mortgage houses, and houses are mortgaged to banks during the mortgage period. If the mortgaged house needs to be transferred or renamed, it needs to be approved by the mortgagee, and then the relevant materials are used for transfer or renaming.
Legal basis:
Article 68 of the Detailed Rules for the Implementation of the Provisional Regulations on the Registration of Real Estate
In any of the following circumstances, the parties shall apply for mortgage change registration with the necessary materials such as real estate ownership certificate, real estate registration certificate and mortgage change certificate:
(1) The name of the mortgagor or mortgagee is changed;
(2) The amount of secured principal creditor's rights changes;
(3) The debt performance period changes;
(4) The sequence of mortgage right changes;
(5) Other circumstances stipulated by laws and administrative regulations.
When applying for mortgage change registration due to changes in the types, amount, scope of guarantee, debt performance period and mortgage order of the secured creditor's rights, if the mortgage change will adversely affect other mortgagees, the written consent, identity card or household registration book of other mortgagees shall also be submitted.
Article 30 of the Notary Law of People's Republic of China (PRC)
After examination, the notary office considers that the certification materials provided by the applicant are true, lawful and sufficient, and the matters applied for notarization are true and lawful, and shall issue a notarial certificate to the parties within 15 working days from the date of accepting the notarization application. However, due to force majeure, supplementary certification materials or the need to verify relevant information, the time required is not counted in the time limit.