The house is mortgaged and cannot be renamed, because the house does not belong to itself until the loan is paid off. Whether it is a name change, a transaction or a gift, we must wait until the house is returned. The previous mortgage loan will not be accepted by the housing management department. Only before the loan, the house can be transferred and renamed.

What's the difference between real estate renaming and transfer?

1, Method of changing property rights: If the buyer wants to change the name of the house, he can obtain it directly from the developer, and change the owner of the house into another person or even more at the time of purchase. The transfer of real estate is carried out in the real estate trading center. Through the transfer of ownership, the property right of the house has been transferred, and the property owner has also changed.

2. Do you have a real estate license? Before renaming, if you don't get the real estate license, you can register with the developer and sign another one. The transfer of real estate is based on the property right certificate and property right transfer.

3. Different fees: the renaming and transfer fees are different. Whether it is a name change or a transfer, a certain fee will be charged. The so-called renaming means that the developer charges the developer a renaming fee after renewing the contract with the buyers, and then the developer informs more celebrities to handle the real estate license together.

What is real estate renaming?

When the buyer has not obtained the title certificate when changing the name of the property, the owner will change the name in the house sales contract, resulting in the transfer of the property owner. It should be pointed out that there are two different situations in which houses are renamed. The first is that when the marital status is good, the house is shared by husband and wife. If there is only one name on the real estate license, you need to go through the formalities of adding the name, and hold relevant materials when "changing registration". This situation does not belong to property renaming. Another case of renaming a house is that when a husband and wife divorce, they can only rename it in the name of a gift, thus changing the identity of the property owner.