1. The parties concerned shall bring their ID cards, household registers, real estate certificates, real estate certificate change registration application forms and other necessary materials to the housing registration management department to apply for delisting and change registration.
2. The housing registration management department will review the application materials of both parties.
3. After the housing registration management department reviews the applicant’s materials and determines that the applicant is voluntary and legal, the delisting and change registration will be carried out.
Does the loan have to be paid off to remove the name?
If the name needs to be removed from the real estate certificate due to divorce, the couple only needs to sign an agreement stating that the house will be owned by one of them in the future, and no payment is required. Deed tax. If the mortgage loan has not been repaid, the real estate certificate cannot be removed. Because the current mortgagee is a bank, the owner of the original property certificate has no right to dispose of the property, and the house has been mortgaged to the bank. As long as it is stated in the divorce agreement that the property belongs to you, as long as the mortgage is paid off in the future, you can change the owner of the property certificate to your own.
If the property certificate is removed from the divorce and you have a loan, you can apply for remortgage. There are generally two ways for couples to divorce: divorce by agreement and divorce by litigation. You can go to the relevant place to go through the relevant procedures.
If it is a divorce, both parties need to bring the materials to the Housing Authority to apply for the name change procedure on the real estate certificate. The materials required to change the name on the real estate certificate include: ID card and its copy, an effective judgment and a statement that it belongs to the marriage. Later, the couple had property information, an application form for registration of change in house property rights, and a house ownership certificate.
If you want to reduce the name on the real estate certificate, the person with all the names on the real estate certificate needs to do it in person during the process. It cannot be missing, otherwise it cannot be processed, because if there are multiple names on the real estate certificate, the property rights of the house are If it belongs to multiple people, no one can deprive others of the ownership. Once the name is subtracted, it means that there is no ownership of the house, so the owner who gives up the property rights must go through it in person.
If the couple adds or subtracts their names on the real estate certificate, no deed tax will be charged during the application process, but it is regarded as a sale between parents and children, so deed tax will be charged; subtracting names is similar to The specific process of share transfer is roughly the same as that of a normal house transaction. You only need to pay a certain deed tax, which ranges from 1% to 3%.