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Two names, a real estate certificate with an iou.
Legal subjectivity:

Yes, one person can borrow money to buy a house, and the property rights can be shared by many people, so two names can be added. Adding the name and handling fee to the real estate license can be divided into three situations: the first situation: the process of handling the house without loan 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. In the second case, the process of handling a house and a loan is: 1. Go to the bank to go through the mortgage change procedures first (please consult the bank for details). 2. Fee for adding the name of the real estate license: In addition to the above-mentioned 1 10 yuan, if it is a pure provident fund loan, an additional fee of 100 yuan is required; If the loan is a combination (provident fund+commercial loan), it shall be paid to 200 yuan separately. 3. Other steps are the same as "having a house without a loan". The third case: if you are not married or have no direct blood relationship, you need to add your name to the real estate license, which will be much more complicated, because it will be regarded as a house sale and you need to pay the following fees. 1, 2.5 yuan transaction fee per square meter. 2. If it is less than 5 years, 5.5% business tax plus 1% personal adjustment tax (the time period is from the date when the real estate license is issued to the end of the trading day), and it is not needed for 5 years. 3. Stamp duty of five ten thousandths. 4. This contract is in 5 yuan (different trading centers in different districts). When the man transfers 50%, all taxes are calculated according to the market price. If the house with 654.38+0 million yuan is worth 500,000 yuan. 6. If several people transfer the title certificate, the rights and interests of the title certificate shall be divided equally. PremisesPermit refers to the certificate that the buyer obtains the legal ownership of the house through the transaction and can exercise the right of possession, use, income and disposal of the purchased house according to law. That is, the "House Ownership Certificate" is the legal certificate for the state to protect the ownership of houses according to law. Proof that the owner manages and uses his own house.

Legal objectivity:

Article 34 of the Measures for the Administration of Commercial Housing Sales stipulates that real estate development enterprises shall, within 60 days from the date of delivery of commercial housing, submit the materials required for handling the real estate license to the real estate department where the house is located.