If the ID numbers are the same, you only need to provide the bank with the certificate of name change issued by the public security organ, and the loan will not be affected. About the change of identity card. The process of changing the name of the ID card: 1, and the Criminal Police Team of the county public security bureau where the household registration is located will issue the Criminal Punishment Record Certificate. If you go by yourself, it will take about a week. Bring your household registration card and fingerprints. 2. Prepare two one-inch recent photos, go to the police station and take two Application Forms for Change of Household Registration, fill them out clearly and take them back to the village (neighborhood) committee for signature. Write your own application report. 6. If you are at school, the school should prove it. 7. If you are at work, the unit should prove it. 7. Bring the above certificate and household registration ID card to the police station where the household registration is located, and wait for the police station (3 people) and the county public security bureau (3 people) to endorse all the opinions, and it will be over. 8. Then you can apply for a new ID card. 9. renaming will affect the use of other documents in the past and bring unnecessary trouble, so be very cautious.
What are the procedures for changing the name of a house with a loan?
First, no mortgage is renamed.
1. Prepare the original and photocopy of documents (marriage certificate, ID card, real estate license).
2. Go to the real estate trading center in the area where the house is located, first inform the staff of the real estate trading center that they have come to apply for the real estate license to add the spouse's name, fill in the "Agreement" of the couple's real estate, and the window staff will review the submitted materials. If the materials are complete, they will give you a number and then take it to the relevant window.
3. Registration fee for real estate license: 80 yuan/set, drawing fee: 20 yuan/certificate. 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 tell you an initial password, which you can modify afterwards.
Second, the name of the housing loan has changed.
1. Go to the bank to go through the mortgage change formalities and get the bank's consent to add the name.
2. Name-adding fees for real estate licenses: In addition to the above fees, some banks will also charge name-adding fees. If it is a pure provident fund loan, you need to pay an extra fee of 100 yuan; If the loan is in the form of securities
(Commercial loan for provident fund), and pay it to 200 yuan. Adding some loan banks to the real estate license will raise the charging standard. For more information, please pay attention to WeChat: Shanghai SouFun Broker.
3. Other steps are the same as "no housing loan".
Third, the process of adding the name of the real estate license-adding the name of the child
If it is handled according to the procedure of donation, you can refer to the above-mentioned procedure of house donation, but the difference is that if the names of husband and wife are already on the real estate license, the names of children are added to the real estate license, assuming that the benefit of children is one-third of the appraised value of the house, the required notarization fee and deed tax are calculated accordingly according to one-third of the appraised value.
Can the house be renamed and transferred with a loan?
Legal analysis: the loan house cannot be renamed, because before the loan is paid off, the property right of the house does not belong to the owner himself, but to the owner and the repayment bank. Renaming real estate refers to changing the name on the real estate sales contract under the premise that the real estate certificate is not properly handled, so that the real estate owner can transfer it by signing the contract.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 209 The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.
Natural resources owned by the state according to law may not be registered.
Article 210 The registration of immovable property shall be handled by the registration institution where the immovable property is located.
The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
Can I get a loan if the ICBC's house purchase contract is renamed?
As for the specific situation that ICBC's house purchase contract was renamed as a loan, according to the relevant laws and regulations, during the unmarried period: during the unmarried period, the real estate license was renamed, and the name of the spouse could not be directly added, but only the gift was renamed. Under normal circumstances, the house loan cannot be renamed before it is paid off. There are two ways to rename. One is to 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. If there is a house without a loan, it 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).
Can I change my name if there is a loan under the company name? What should I pay attention to when buying a house with a loan?
Many people know all kinds of loans around us, and everyone should know the name of the loan. Many companies have real estate and cars under their names, most of which are obtained through loans. Can they rename the loan to their own name? What should I pay attention to when buying a house with a loan?
Many people know all kinds of loans around us, and everyone should know the name of the loan. Many companies own real estate and cars, most of which are obtained by loans. In order to let people know the details of the loan, people must know the specific introduction of the loan. Let's analyze whether there is a loan that can be renamed under the company name. What should I pay attention to when buying a house with a loan?
Can I change my name if there is a loan under the company name?
After the loan, the legal representative can be changed. Some information must be provided for the change of enterprise legal person. The Application for Change of Registration of Enterprise as a Legal Person signed by the enterprise as a legal person, the certificate of the designated representative or authorized agent, the copy of the ID card of the designated representative or authorized agent (signed by myself), the registration form of the legal representative of the company (enterprise), the certificate of dissolution of the original enterprise as a legal person issued by the competent department, and the certificate of employment of the new enterprise as a legal person.
Where laws, administrative regulations and the State Council decisions stipulate that the change of an enterprise as a legal person must be approved, a copy of the relevant approval documents or license certificate shall be submitted. 6. A copy of the business license of the enterprise as a legal person. After the loan, the legal representative can be changed. However, if there were violations of laws and regulations at the beginning, it does not mean that the original representative can be exempted from liability after replacement. Don't be such a nominal legal representative. In the process of enterprise loan processing, if the enterprise legal person changes, it is necessary to go through relevant procedures in accordance with the regulations to avoid unnecessary losses.
What should I pay attention to when buying a house with a loan?
1. Pay attention to applying for a mortgage when buying a house with a loan.
Some people think that the bigger the loan amount, the better, but this is not the case! Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.
2. Pay attention to preparing loan information in advance when buying a house with a loan.
Copy of ID card, copy of household registration book, copy of marriage certificate or single certificate, copy of education certificate, copy of income certificate, copy of bank account, purchase contract, down payment invoice, social security related certificates, etc. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.
3. Pay attention to providing real information when buying a house with a loan.
If the loan buyers provide false materials to the bank, it may have a serious impact: it will affect the bank's audit, and it will be impossible to issue loans and realize the dream of living; What's more, it may be because individuals provide false materials, which leads to the inability to apply for loans, which leads developers to require buyers to bear the liability for breach of contract in delivering mortgage materials and pre-sale contracts of commercial housing, and pay a considerable amount of liquidated damages.
4. Pay attention to the prepayment method when buying a house with a loan.
At present, there are two main repayment methods for bank loans to buy a house, namely equal principal and interest and average principal. Although there is little interest in the average capital, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.
Be careful not to use the provident fund before applying for a loan to buy a house.
If the borrower takes the balance of the provident fund before the loan, it will make the balance of the provident fund in his provident fund account become zero, and then the amount of the provident fund loan will become zero. In other words, you can't successfully apply for provident fund loans at this time.
Can I change my name if there is a loan under the company name? What should I pay attention to when buying a house with a loan? The above content is the answer that everyone wants to know, and everyone should know the specific matters of the loan. Buying a house with a loan is a common way in life. People must understand the specific operation in the process of using loans. In short, people should grasp the specific loan situation when buying a house.