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 house I bought with the loan when I apply for the real estate license?

Mortgaged houses cannot be added directly. After the loan is settled, the mortgage registration will be cancelled and the owner will be added. Only the 80 yuan registration fee is needed to increase the number of * * * between husband and wife, and the related parties or unrelated parties other than husband and wife can only increase the number of * * * by buying and selling shares.

There are mainly the following situations in which the real estate license is added and the handling fee is added:

1. The house loan has not been paid off.

If there is a real estate loan, the name of the spouse or children must be added with the consent of the mortgagee (usually a bank or provident fund center guarantee company), but the mortgagee will not agree, so in practice, the name can only be added after the loan is paid off. Therefore, if a house has a loan, it must be added or removed, and the loan must be paid off first.

2. If the house has no loan or the loan has been paid off, the name of the spouse should be added.

(1) Both husband and wife should bring their ID cards, marriage certificates, real estate licenses and land certificates (all originals are required) to the housing management window of the administrative service center. Township real estate can be handled by the township housing management office. All required expenses: the house name adding fee 100 yuan (graphic design fee, 20 yuan registration fee, 80 yuan). 570 yuan (surveying fee 20 yuan, registration fee 550 yuan) for non-residential buildings.

(2) Of course, there are cases where the name of the spouse is removed. During the marital relationship between husband and wife, the other party may be added as the property owner. When marriage changes (such as divorce), the property can be changed to the name of one of the parties, and each set needs to pay the residential registration fee of 80 yuan, and each set needs to pay the typesetting fee of 20 yuan.

3. If the house has no loan, or the loan has been paid off, add the child's name.

(1) Many citizens think that it is natural and simple to add parents' houses and children's names, and there should be no fees. However, in terms of property rights, the current property owner is Party A, that is, the property right of the house 100% belongs to Party A, so it is necessary to add a name to the real estate license, that is, the property right of the house has changed from one to two. When the housing registration department handles the corresponding so-called name-adding procedures, it will handle the relevant procedures in the form of property right transfer.

(2) Therefore, the principle of adding a second person's name to the real estate license is the same regardless of whether the person is a child or a parent (the spouse is in a special situation) or a stranger. They all transfer 100% of the property rights originally belonging to one person to a second person (the specific ratio can be agreed by both parties).

(3) However, both parties may agree on a specific transfer method: sale or gift. Buying and selling and gift transfer fees are completely different, and which method to choose depends on the situation.

Extended data:

Tax by adding names

"Whoever pays the down payment after divorce will own the house", and as soon as Interpretation of Marriage Law (III) (hereinafter referred to as Interpretation III) was published, there was public opinion that a house should be added. Visiting Quanzhou real estate management department, I learned that there was no name added to the real estate license because of the promulgation of Interpretation III, but many people consulted.

Do I have to pay taxes to add my name? The tax department said that "the deed tax rate of pre-marital real estate is 3%, and the taxable value is half of the assessed price", that is to say, if you add a name to the property with an assessed price of 6.5438+0.5 million yuan, you have to pay the deed tax of 6.5438+0.5 million yuan.

There are three main cases of adding name and handling fee to real estate license:

The first case: there is a house without a loan.

The processing flow is:

1. Bring the originals and copies of the three certificates (marriage certificate, ID card and real estate license).

2. Go to the real estate trading center in the area where the house is located, and let you know in the pre-inspection window that you are here to apply for the real estate license and add your spouse's name. The window staff will review the submitted materials, give you a number if the materials are complete, and then take the number to the relevant window.

3. Fee for adding the name of the real estate license: 1 10 yuan handling fee. The details are as follows: 80 yuan production fee, 25 yuan cadastral map fee and 5 yuan sticker fee. If you succeed in 20 days, you can get a new real estate license.

4. You can set a password for the new real estate license, and the real estate trading center will inform you of an initial password, which can be changed later.