If the property is still returned, the process of adding the spouse's name is much more complicated. First of all, both husband and wife need to go to the bank to change the mortgage. After the bank is approved, they will go to the local housing management department to re-transfer. Generally, you will get a new real estate license after 7 working days, and then go to the bank. The process of adding names between married couples is very simple. Both husband and wife only need to bring their ID cards, household registration books, marriage certificates and real estate licenses, and go directly to the local housing management department to register the real estate licenses.

Can I add my name if the loan is not paid?

You can't add your name until the loan is paid off. Because "the change registration of the ownership of famous houses is added to the real estate license", the premise of the change registration is that the house is in the state of mortgage, sealing up and freezing, and there is no movable property, so the change registration cannot be handled. "Now most young people choose loans to buy houses, and commercial houses are in a state of mortgage. After the loan is paid off and the mortgage status is released, the ownership change can be handled. "

Article 39 of the Interim Measures for the Administration of Personal Loans

With the consent of the lender, the personal loan can be extended. One year shall not exceed the maximum loan term stipulated in the original loan term.

Legal basis:

Article 9 of the Detailed Rules for the Implementation of the Provisional Regulations on the Registration of Real Estate applies for the registration of real estate, and the applicant shall fill in the application form for registration and submit the identity certificate and relevant application materials.

Original application materials shall be provided. If the original cannot be provided due to special circumstances, a copy can be provided for consistency.

2. What materials should be submitted for married real estate and remarried spouse's name?

There are three situations in which the real estate license and spouse's name are added:

1. Property ownership certificate 1. Bring marriage certificate, identity card, real estate license and their copies; 2. Go to the housing transaction center, and the window staff will review the submitted materials; 3. Required expenses: 1 10 yuan handling fee and 80 yuan handling fee. You can get the real estate license in about 20 working days. Second, there is a loan real estate license with the name 1. First, go to the bank to change the mortgage; 2. Processing expenses: In addition to the above-mentioned handling fee of 1 10 yuan, if the loan is a provident fund, an additional 100 yuan is needed, and if it is a combined loan (commercial provident fund loan), 200 yuan handling fee is also needed; 3. Other steps are the same as the previous process without loans.

Third, buying a house after marriage, no matter whose name is written on the real estate license, both husband and wife have property. If you feel unsafe, you must add your name to make you feel at ease. Take the real estate license and go directly to the real estate transaction department to handle the * * * certificate. There is no need to bear additional costs. Bring the real estate license and marriage certificate, and both parties can go to the real estate management department in person.

3. The loan has not been paid off. Can I add my name to the property?

Ask me about the house my wife and I bought together in Guangzhou after marriage.

But at that time, it was a provident fund loan borrowed in the name of an individual, and now the loan has not been paid off. I want to add my wife's name to the real estate license.

To add a name, you must apply to the local provident fund management center and bank.

Get their written consent

4. Can I add my name to the house loan?

Nowadays, for many young people, the pressure of buying a house is very great, so many people buy a house through loans and pay a certain amount to the bank every month. Then, can I add a name to the house loan before it is paid? Generally, the name of the house can only be added after the loan is repaid. Because adding names will increase a lot of risks for banks, in order to control risks, banks are generally not allowed to add names to houses that have not paid off loans.

When adding the name of the real estate license in the real estate registration center, the following materials need to be provided: registration application (available in the registration department, both parties can fill in the relevant information), applicant's identity certificate (including the original ID card and marriage certificate of both husband and wife), house ownership certificate or real estate certificate, materials to prove the change of house ownership, and other necessary materials. Note that both the original property owner and the property owner who needs to add a name should go to the registration center and fill in the application form with relevant materials. The registration center will process the submitted information as soon as possible after verifying that it is correct. What should I pay attention to when adding a real estate license? 1. Time to add a name. The process and cost of adding a name before marriage are different from those after marriage. Those purchased before marriage belong to the property of one party before marriage. If the other party needs to add a name after marriage, it should change the property right according to the real estate transaction process. In this case, it is often necessary to pay taxes, personal income tax and other expenses. 2. An object named. It is different to add the name of spouse, children, parents or lineal blood relatives to the real estate license. It is recommended to consult the local housing management department in advance to understand the relevant precautions. In addition to adding names, real estate licenses also support subtracting names. In fact, subtracting the name from the real estate license is equivalent to one party giving up the property right of the house. Therefore, when the real estate license is renamed, the process is similar to adding a real estate license, and relevant procedures need to be handled.