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How to transfer the house loaned by relatives to their own names?
Legal analysis: 1, transfer can be selected to.

2. Gifts include relatives and friends during the unmarried period, that is, children, parents and other relatives and friends can join the real estate license through gifts.

3. There are two ways to give gifts: 1) and having a house and a loan. Generally, you can't change the name of the house until you pay off the loan. There are two ways to rename. Pay off the loan in advance, and then change its name; The second is to apply to the bank to change the borrower and mortgagor in the loan contract, and then go to the Housing Authority to go through the relevant renaming procedures after obtaining the consent of the bank. 2) Having a house without a loan is regarded as a gift. Both parties need to sign a gift contract, and the gift contract must be notarized. The notarization fee is generally 1% of the value of the donated house, in addition to certain personal income tax, deed tax and other expenses (the donated house between immediate family members is exempt from business tax.

4. Gift procedures The house donated must submit the house ownership certificate, gift certificate and deed certificate. This gift behavior has legal effect only after the relevant departments have gone through the formal registration procedures for the change of house ownership. The specific steps are as follows: 1). The donor and the donee conclude a written contract for housing donation, that is, a gift book. 2) The donee pays the deed tax with the original house ownership certificate and gift certificate and obtains the deed certificate. 3), notarization. 4) Go through the registration formalities of house ownership transfer. The donee applies to the real estate management department for registration of change and submits the following documents: (1) Application (provided in the window). (2) Original real estate title certificate. (3) the identity card and household registration book of the party concerned. (4) gift certificates and notarial certificates. (5) deed tax receipt.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 214 The establishment, alteration, transfer and extinction of the real right of real estate that should be registered according to law shall take effect when it is recorded in the real estate register.

Article 215 A contract concluded between the parties on the establishment, alteration, transfer and extinction of the real right of immovable property shall become effective upon the establishment of the contract, unless it is otherwise provided by law or agreed by the parties. Failure to register the real right shall not affect the validity of the contract.