How to apply for the name of the loan house
Recently, the issue of name processing for loan houses has become a hot topic, and many home buyers have questions about this. This article will combine the hot content of the past 10 days on the Internet to provide you with detailed answers to the process, precautions and frequently asked questions of applying for a loan house name.
1. Basic process of loan house name processing
Handling the name of a loan house usually involves changing the name of the property certificate or registering co-ownership. The following is the basic process:
| steps | Specific operations |
|---|---|
| 1. Prepare materials | ID card, real estate certificate, loan contract, marriage certificate, etc. |
| 2. Submit application | Submit a name change application to the local housing authority or real estate registration center |
| 3. Bank approval | If you have a loan, the bank will need to issue a certificate agreeing to the name change. |
| 4. Pay fees | Pay property rights change fees, stamp duty, etc. |
| 5. Get a new certificate | Receive a new real estate certificate after passing the review |
2. Things to note when applying for a loan house name
1.Loan outstanding restrictions: If there is still a loan on the property, the bank's approval is required before the name can be changed. Otherwise, the loan must be settled first.
2.Marital relationship impact: Changing the name of a property jointly owned by a husband and wife requires the signatures of both parties, and a divorce agreement or court judgment is required to change the name after divorce.
3.tax issues: Name change may involve deed tax, personal income tax, etc. You need to consult the tax department in advance.
3. Frequently Asked Questions
| question | answer |
|---|---|
| Can I add my name if the loan is not paid off? | The bank's consent is required, and some banks require the loan to be settled before operation. |
| Is a name change between a couple tax-free? | In most areas, deed tax is exempted, but a marriage certificate is required. |
| Can non-immediate relatives add names? | Considered as a sale or gift, taxes and fees must be paid and purchase restriction policies must be complied with. |
4. References to recent hot cases
1.A dispute over the property name change between a couple in Hangzhou after their divorce: Due to unpaid loans, the bank refused to change the name, and the matter was ultimately resolved through court mediation.
2.Shenzhen introduces convenience policies: Allow online submission of loan housing name change applications, shortening the processing time to 3 working days.
5. Summary
The name application for a loan house needs to be based on the loan status, property rights and local policies. It is recommended to consult the bank and the housing management bureau in advance to avoid delays caused by incomplete materials or unfamiliar procedures. If complex situations are involved (such as divorce, inheritance), you can seek help from a professional lawyer.
(The full text is about 850 words, covering the process, precautions, questions and answers, and cases. The data part is clearly presented in tables.)
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