You cannot add your name after buying a house with a loan, because after buying a house with a loan, if you are in the period of repaying the mortgage, you cannot add your name to the real estate certificate. Because adding a name to the real estate certificate is a "registration of change in house ownership", and the premise of change registration is that the house cannot be in a state of restricted rights, but the house purchased with a loan is in a mortgage state, so naturally there is no way to add a name to the real estate certificate.

What is the process of buying a house with a loan?

1. Choose a suitable property according to the economic situation: Choosing a house is a critical step. Before purchasing a house, buyers must clearly understand themselves. Based on your strength, calculate the total price of the house and the savings you have for the down payment, and then calculate the amount of loan you need to borrow from the bank. Based on the calculated results, you can choose a house that you can afford and find suitable. When choosing a house, you should Be aware of all aspects of the house.

2. Sign a house sales contract: I believe that most home buyers have a common understanding that the most important step in the house purchase process is to sign a house sales contract. Both the buyer and the seller must put their own The rights and obligations are implemented in words, especially key terms such as the area of ????the house, payment method, property condition, etc.

3. Submit a mortgage loan application: Generally, each property has a cooperative bank. After signing the contract, the home buyer can directly apply for a loan to the bank of the property contract, which can be regarded as saving the step of going to a bank. . Therefore, after confirming the property, consult the relevant bank to learn about the relevant regulations on mortgage loans, prepare the documents required by the bank, fill out the "Mortgage Loan Application", and submit it to the bank for review.

4. Waiting for the bank review results: The process of loan purchase is relatively complicated. Everyone must wait patiently for the results. Generally, after the home buyer submits the application, the bank will check the credit status of the home buyer. , repayment ability, etc. If the review fails and the bank refuses to grant the loan, the home buyers will have to find another way out. It is very likely that most people will not be able to find funding sources and will eventually have to give up buying a house.

5. Sign a loan contract: If the bank approves the loan, the home buyer needs to sign a loan contract with the bank. We need to pay various fees and apply for mortgage and insurance. This step is time-consuming. The bank needs to review it. How long it takes varies from place to place and bank to bank. Then, the home buyer needs to wait for the notification to go to the bank for an interview, and wait for the bank to collect and verify the materials. After the bank verifies, the bank will notify the home buyer to get the materials and go to the Housing Authority to make a mortgage.