How to add your wife’s name to a mortgage: full analysis of the process, costs and precautions
Recently, the discussion about adding names on real estate certificates has become a hot topic again, especially in marriage relationships. Many couples are concerned about how to add their spouse’s name on the mortgage house. This article will combine the hot content on the Internet in the past 10 days to provide you with a detailed analysis of the specific process, costs and precautions for adding a name to a mortgage house, and help you complete the procedure efficiently.
1. The basic process of adding a name to a mortgage house
Adding your name to a mortgage house is not a simple operation and requires multiple reviews by the bank and the housing management department. Here are the specific steps:
| step | Operation content | Materials required |
|---|---|---|
| 1. Bank application | Submit an application to the lending bank to add a name, and you need to sign a new mortgage contract | ID card, marriage certificate, real estate certificate, loan contract |
| 2. Notarization | Some banks require notarization of the name addition agreement | ID cards, household registers, and real estate certificates of both parties |
| 3. Registration with the Housing Authority | Bring the bank consent letter to register the change of property rights | Bank consent letter, ID card, marriage certificate |
2. Details of fees for adding a name to a mortgage house
There are a number of fees involved in the name-adding process, and the specific amounts vary by region and property value:
| Expense items | Charges | illustrate |
|---|---|---|
| Deed tax | 1%-3% | Calculated based on property share value |
| stamp duty | 0.05% | Both parties need to pay |
| registration fee | 80 yuan | Uniform standards for residential buildings |
| Notary fees | 200-500 yuan | Optional items |
3. Precautions
1.Bank consent is key: The written consent of the lending bank must be obtained first, otherwise the subsequent procedures cannot be processed.
2.Shared loan repayment responsibility: After adding the name, the spouse will become a joint repayer and shall bear joint and several liability for repayment.
3.Regional policy differences: Different cities may have different regulations on adding names to mortgage housing. It is recommended to consult the local housing authority in advance.
4.Marital property agreement: If it involves property division, it is recommended to sign a marital property agreement simultaneously to clarify the property share.
4. Answers to recent hot questions
1.Q: Does adding a name after marriage count as joint property?
A: According to the Civil Code, adding a name after marriage is generally regarded as a gift, and the property will be converted into joint property of the couple.
2.Q: Can I add another name if my loan is not repaid?
A: Yes, but it must be approved by the bank and a new mortgage contract must be signed.
3.Q: Do both parties need to agree to sell the house after adding names?
A: Yes, the party whose name is on the property certificate must obtain the consent of all rights holders when disposing of the property.
5. Expert advice
1.Plan ahead: It is recommended to consider the issue of property rights registration in the early stage of home purchase to avoid complicated procedures in the later stage.
2.Professional consultation: In complex situations, it is recommended to consult a professional lawyer or real estate agent to ensure that the procedures are legal and compliant.
3.keep credentials: Properly keep all documents and payment vouchers in the process in case of emergency.
Through the above detailed analysis, I believe you have a comprehensive understanding of adding names to mortgage housing. In actual operation, it is recommended to choose the appropriate processing method according to your own situation to ensure the smooth completion of the property rights change. Recently, many places have introduced convenience measures, and some cities have implemented "one-window acceptance", greatly improving processing efficiency. You can pay attention to the latest local policy trends.
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