Legal subjectivity:

If the house loan has not been repaid, it is generally not allowed to add a name. Adding a name when the house loan has not been paid off increases the potential risk for the bank, and may increase the risk of late repayment. However, some banks agree to add the name. Whether to add the name depends on whether the local bank agrees. Some banks are Not allowed. Article 68 of the "Implementing Rules of the Interim Regulations on Real Estate Registration" If any of the following circumstances occurs, the party concerned shall apply for registration of change of mortgage right with the real estate ownership certificate, real estate registration certificate, mortgage right change and other necessary materials: (1) The mortgagor , the name of the mortgagee is changed; (2) the amount of the guaranteed principal creditor's right is changed; (3) the debt performance period is changed; (4) the order of the mortgage rights is changed; (5) the provisions of laws and administrative regulations other situations. Legal objectivity:

Article 394 of the "People's Republic of China and Civil Code" is to guarantee the performance of a debt. The debtor or a third party does not transfer possession of the property and mortgages the property to the creditor. If the debtor fails to pay due debts or the circumstances agreed by the parties to realize the mortgage rights occur, the creditor shall have the right to receive priority payment for the property. The debtor or third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property providing guarantee is the mortgaged property. Article 406 of the "People's Republic of China and Civil Code" During the mortgage period, the mortgagor may transfer the mortgaged property. If the parties agree otherwise, such agreement shall prevail. If the mortgaged property is transferred, the mortgage rights will not be affected. If the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage rights, he may request the mortgagor to pay off the debt in advance or deposit the proceeds from the transfer to the mortgagee. The portion of the transfer price that exceeds the amount of the creditor's rights belongs to the mortgagor, and the shortfall is paid off by the debtor.