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 my name to the mortgaged property certificate?

Many young people take out loans to buy houses. After buying a house with a loan, some people get married and want to add their spouse's name to the mortgaged property certificate. Everyone has doubts about whether the mortgaged house can be named. Next, Bian Xiao will briefly introduce you to the mortgaged house property certificate.

1. Under normal circumstances, the mortgaged property certificate cannot be named, because the property has been mortgaged to the bank and its ownership is restricted. If you want to add your name to the mortgaged property certificate, the applicant needs to get the bank's consent. Theoretically, the applicant can go to the bank to get the other warrants, then go to the Housing Authority to cancel the mortgage registration, then apply for changing the owner of * * * *, and finally re-register the mortgage and hand over the other warrants to the bank. However, this method is risky, and it is unlikely that the bank will issue a consent form.

2. If you want to add your name to the mortgaged real estate license, you can generally wait until the buyer pays off the house payment. After the buyer pays off the loan, he/she goes to the bank to obtain the certificate of repayment of the house loan and other warrants, and goes to the Housing Authority to cancel the mortgage registration. After the house mortgage is revoked, the applicant shall go to the local housing management center with marriage certificate, ID card, real estate license and other materials.

3. Couples usually only need to pay a small amount of fees, such as foundation drawing fees and sticker fees. , it takes about 100 yuan to process. If you want to add your child's name to the real estate license, you can only give it or buy it. Applicants need to pay deed tax, notary fee, registration fee and other related expenses.

Bian Xiao concluded: Can I add my name to the mortgaged property certificate? Here Bian Xiao will give you a brief introduction. I hope that after reading this article, everyone can understand whether the mortgaged house can be added. The real estate license can be added, but only if the house loan has been paid off and there is no mortgage.

Can I add a name to the loan property certificate?

Generally speaking, a house with a loan cannot be named.

Adding a name requires the consent of the lending bank, adding a name requires changing the borrower, and the creditor's rights and debts will also change, and the bank is unwilling to bear this risk. Therefore, if the mortgage is not settled, it is generally impossible to add a name. Spouse relationship, if the other spouse wants to add his name to the big red book, can be divided into two situations: before marriage and after marriage.

This is the end of the introduction of the procedures and fees required for the addition of the real estate license with loan and the real estate license with loan. I wonder if you have found the information you need?