Buying a house, the loan has not been repaid, can I add my name to the real estate license?

Case: Xiao Yang and her husband have been married for more than a year and live in a certain community. The house is about 80 square meters, which her husband bought before marriage. After the marriage, they jointly invested in buying a house, and now they are going to add Xiao Yang's name to the real estate license. "I don't know if I can add it now? What is the procedure? What materials are needed? " Xiao Yang said.

Expert: The house bought before marriage belongs to personal property. The name added after marriage becomes the property of husband and wife, and the ownership of the house changes. And because of the mortgage loan, the borrower will be changed from one to two. According to the relevant regulations, the mortgagor shall not transfer the mortgaged property without the consent of the mortgagee during the mortgage period. Therefore, if the mortgage has not been repaid, you can't add a name to the real estate license. Before adding the name, you must pay off the house loan and apply to the Municipal Housing Authority.

(The above answers were published on 20 16-03-24. Please refer to the actual situation for the current purchase policy. )

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