No, you must pay off the loan before you can transfer the ownership. Housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house with property ownership certificate and a house or commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral.

1. prepayment: the house under the mortgage loan must go through prepayment procedures, which are handled by the customer himself (if necessary, Xinchengtong Wealth can contribute);

2. The appraisal company evaluates the real estate and issues an appraisal report;

3. After the evaluation report is issued, the customer prepares the transfer information and makes an appointment for the customer to handle the transfer procedures.

Second, what are the procedures for the transfer of real estate for loan couples?

To transfer a house between husband and wife, it is necessary to pay off the house loan, without mortgage, with real estate license, deed tax certificate and land certificate.

Both husband and wife hold their respective ID cards, household registration books, marriage certificates and the above-mentioned three kinds of housing certificates, and apply to the housing management department where the house belongs to handle the transfer formalities, and re-apply for the real estate license with the names of both husband and wife.

Housing registration method:

Article 4

Housing registration shall be handled by the housing registration agency where the house is located.

The term "housing registration agency" as mentioned in these Measures refers to the competent department of construction (real estate) of the people's governments of municipalities, cities and counties directly under the central government or the agency established by it to be responsible for housing registration.

Article 13

* * * If there is a house, it must be registered * * *, and someone is registered * * *.

* * * If there is any change registration of house ownership, it can be applied by relevant * * *. However, if the nature or share of the * * * owner changes, the * * * owner * * shall apply.

Article 32

In any of the following circumstances, the parties concerned shall apply for the registration of the transfer of housing ownership after the relevant legal documents come into effect or the facts occur:

(1) buying and selling;

(2) Interchange;

(3) donation;

(4) Inheritance and bequest;

(five) the division and merger of houses, resulting in the transfer of ownership;

(six) to invest in housing;

(seven) the division or merger of legal persons or other organizations, resulting in the transfer of housing ownership;

(eight) other circumstances stipulated by laws and regulations.

Article 33

To apply for registration of house ownership transfer, the following materials shall be submitted:

(1) Application for registration;

(2) the identity certificate of the applicant;

(three) all of the housing or real estate ownership certificate;

(four) materials to prove the transfer of ownership of the house;

(5) Other necessary materials.

The materials mentioned in Item (4) of the preceding paragraph may be sales contracts, exchange contracts, gift contracts, bequests, inheritance certificates, division agreements, merger agreements, legal documents that come into effect by the people's courts or arbitration committees, or other materials that prove the transfer of house ownership.

3. What are the procedures for transferring a house with a loan to one party?

Legal analysis: During the marriage, if the property under the husband and wife's unilateral name needs to be transferred to the other party, both parties need to go to the housing management department with identification certificate, house ownership certificate, household registration book, marriage certificate, transfer confirmation approval form and other materials. The transfer of ownership belongs to * * *, so you don't have to pay taxes as long as you pay the fees.

Legal basis: Article 14 of the Provisional Regulations on the Registration of Real Estate applies for the registration of real estate for sale, mortgage, etc. , both parties should apply at the same time.

In any of the following circumstances, the parties may apply unilaterally:

(a) unregistered real estate for the first time to apply for registration;

(2) Inheriting or accepting bequests to acquire real estate rights;

(3) The effective legal document of the Arbitration Commission or the effective decision of the people's government if the real estate owner is established, changed, transferred or eliminated;

(four) the name, ownership or natural conditions of the obligee have changed, and the application for registration of change has been made;

(five) the loss of real estate or the right holder to give up real estate rights and apply for cancellation of registration;

(six) to apply for registration of correction or objection;

(seven) other circumstances stipulated by laws and administrative regulations that can be unilaterally applied by the parties.

4. What are the procedures for the transfer of the loan couple's real estate?

According to the regulations of the Real Estate Bureau, the mortgaged property without real estate license will not be transferred, while the mortgaged property belongs to the mortgage that can only be transferred without bank clearance.

There are two ways to transfer, one is gift transfer, and the other is sale transfer. If you agree to transfer ownership, it is suggested to transfer ownership through sale. Business tax and income tax are exempted from the donation and transfer of ownership, and deed tax and production fee are still required to be paid. The gift needs to be notarized, and the next transfer will be subject to 20% income tax. To handle the transfer, the buyer and the seller need to be present in person (unmarried), hold the real estate license, ID card of both parties, household registration book and marriage certificate), sign the sales contract for the record, pay the relevant taxes and fees, and then handle it with the file search form, payment voucher and the above materials. The following is the transfer of second-hand houses.

1. deed tax: the deed tax for the second suite or 144 square meters or more is 32%; Less than 90 square meters 1%.

25.5% (exempted after 5 years)-it can also be exempted after 5 years of notarization.

3. Personal income tax ● 65438+ 0% of the transaction price

4. Transaction cost ●6 yuan/m2;

Yuan/piece

6. Real estate license search, real estate license decal ●50 yuan or so.

To sum up, because you are a direct relative, your personal income can be exempted at any time for one month.