You can't add a name if you haven't paid off the loan. If you add a name to a house with a loan, you need to settle the loan and add the owner after canceling the mortgage registration. The title of the Civil Code stipulates: "During the mortgage period, the mortgagor shall not transfer the mortgaged property without the consent of the mortgagee". Article 2 16 of the Civil Code is the basis and content of the ownership of real right. The real estate register is managed by the registration agency.

Legal objectivity:

Article 410 of the Civil Code If the debtor fails to perform the due debts or realize the mortgage right according to the agreement of the parties, the mortgagee may agree with the mortgagor to discount the mortgaged property or give priority to compensation with the price of auction or sale of the mortgaged property. If the agreement harms the interests of other creditors, other creditors may request the people's court to cancel the agreement. If the mortgagee and the mortgagor cannot reach an agreement on the way to realize the mortgage, the mortgagee may request the people's court to auction or sell the mortgaged property. Where the mortgaged property is discounted or sold, it shall refer to the market price.