1. Bring the originals and copies of the three certificates (marriage certificate, ID card and real estate license).
2. When you go to the real estate trading center in the area where the house is located, first inform the staff of the real estate trading center that you are here to apply for the real estate license to add your spouse's name, fill in the husband and wife real estate agreement, and the window staff will review the submitted materials. If the materials are complete, they will give you a number and then take it to the relevant window.
3. Registration fee for real estate license: 80 yuan/set, and 20 yuan/certificate. If you succeed in 20 days, you can get a new real estate license.
4. You can set a password for the new real estate license, and the real estate trading center will inform you of an initial password, which can be changed later.
Have a house and a loan
1. Go to the bank to go through the mortgage change procedures (please consult the bank for details) and get the bank's consent to add the name.
2. Name-adding fees for real estate licenses: In addition to the above fees, some banks will also charge name-adding fees. If it is a pure provident fund loan, you need to pay an extra fee of 100 yuan; If the loan is a combination (provident fund+commercial loan), it shall be paid to 200 yuan separately.
Other steps are the same as "having a house without a loan".
Situation 3: If you are not married or have no direct blood relationship, you need to add your name to the real estate license. The situation will be much more complicated, because it will be regarded as a house sale.
1. The main reason for renaming the real estate license is the need to change the name of the house. The sale and purchase need to go through the formalities of selling the house and pay the relevant taxes.
2. Then the buyer and the seller bring the original and photocopy of ID card, household registration book, marriage certificate, tax payment certificate, contract and real estate license, and they can transfer the ownership. If one party doesn't go, it will go to the notary office to do the entrustment.
Nanjing second-hand houses can be traded for several years.
Second-hand houses in Nanjing can be traded for three years, and buyers (including residents' families, enterprises, institutions and social organizations) may not transfer them within three years after obtaining the certificate of immovable property rights. The donor can buy the house again after handling the transfer formalities for 3 years. In the second-hand housing transaction, the seller can be exempted from the value-added tax for two years, and pay it in full at the tax rate of 5% for less than two years.
How to trade second-hand houses?
1, bargaining. Buyers and buyers will carefully discuss the price of the house, which will generally be reduced on the basis of the marked price. This price must be agreed and accepted by both parties.
2. Sign the contract. To negotiate a good price, we must sign a house sales contract. The specific contents of the contract are agreed upon by both parties through consultation, generally including the basic information of the buyer and the seller, the transaction price of the house, the payment method, the delivery time, the transfer time, the subject of tax payment, the liability for breach of contract, etc.
3. register to sell a house. Generally, when the landlord of a second-hand house is ready to trade his own second-hand house, the landlord will hang it out online or go to an intermediary to register. Generally, he will introduce the house, structure, orientation, decoration and contact information in detail and agree on the pre-sale price of second-hand houses. Let buyers have a preliminary understanding of the house.
4. buyers look at the house. After learning about the housing information through various channels, if the buyer is interested in the housing, he will contact the landlord according to the contact information reserved by the landlord and ask to see the house. Check the house documents. If the buyer takes a fancy to the house, he will ask to see all the documents of the house, such as property ownership certificate, land and resources certificate, etc.
5. Payment and delivery. After the sales contract is signed, the buyer shall pay in the agreed way, fulfill the payment obligation and urge the contract to be fulfilled. After receiving the house payment, the seller must vacate the house and hand it over to the buyer according to the agreed time.
6. Housing transfer. After completing the above steps, the last and most important step is that the buyer and the seller go through the house transfer formalities at the house registration department and transfer the house to the buyer's name, which means that the house transaction is completed.