If you want to add your name to your girlfriend's real estate license before buying a house before marriage, you need to settle the loan before going through the formalities.
Mr Liu is 30 years old this year. A few years ago, his parents paid a down payment and bought him a two-bedroom apartment in Haidian District. Now he is repaying the loan normally. This year, he is going to hold a wedding with his girlfriend who has been in love for three years, and plans to use this suite as a wedding room. However, his girlfriend asked that his name must be added to the real estate license in order to get a marriage certificate. Because he hasn't got a marriage certificate yet, Mr. Liu doesn't know if he can go through the formalities of adding a name.
Expert's answer: "Jia Wei Anjie" pointed out that if the purchaser went through the formalities of adding the name of the property before marriage, the house must have paid off the mortgage and not be in a mortgage state at present. Otherwise, it is impossible to go through the formalities of adding a name, so Mr. Liu in the case needs to find a way to pay off the loan in advance. In addition, because the house was bought by Mr. Liu personally before marriage, the two did not get a marriage certificate, and the woman's name also wanted to be added as the owner of the house, so it was necessary to transfer the second-hand house or give it away. Because there is no marriage certificate, this situation has to pay taxes such as deed tax, personal income tax and business tax. In addition, after completing the formalities of adding names, since he did not get a marriage certificate, it is suggested that Mr. Liu and his girlfriend handle the property notarization before marriage to avoid the property disputes after marriage.
Buying a house after marriage, paying off the loan, do not need to pay deed tax.
Miss Zeng and her husband are both post-80s. They met several years ago and got married. When they got married, her husband's family paid a down payment and bought a small two-bedroom apartment with a loan from South Second Ring Road. After they got married, they paid off the house loan together. As the down payment was made by her husband, only his name was written on the property certificate. A few months ago, two people paid their mortgage in advance. Miss Zeng wants to add her name to the real estate license, but she doesn't know how to operate it.
Expert answer: Because the real estate loan has been settled, it is completely feasible for Miss Zeng to add her name to the case. "Jia Wei Anjie" pointed out that it is relatively easier to handle the formalities of adding the name of the property after marriage than before marriage, because the house was purchased after marriage and Miss Zeng also participated in the repayment of the loan, which belongs to the husband and wife. If the real estate license bought by two people after marriage only has the man's name, now I want to add the woman's name. Miss Zeng needs to hold her husband's marriage certificate, ID card, real estate license and other materials, and fill out an application form for both parties to own real estate in the office hall of the Housing Authority before she can handle the business of * * * increasing real estate license. In addition, according to the latest regulations, the ownership of houses and land was originally owned by the husband and wife, and if the husband and wife changed to * * *, the deed tax would be exempted in some cases, so there is no need to pay the deed tax in the case of adding Miss Zeng's name.
PS: The most comprehensive, cost-effective, convenient and reliable living real estate app in history, which can cover 300 cities at the same time and has more than100000 users, Sohu's house purchasing assistant is here! Real estate trends, real estate trends, preferential prices, real estate comparison, mortgage calculation, one-click consultation, housing search radar, free telephone, housing registration ... all the application tools about housing are here!
Scan your mobile phone, grab cash, send out red envelopes, download the APP, enter my-Settings-Enter the invitation code, and participate in the lucky draw. Looking at the house and choosing a house is still "Sohu Focus".
(The above answers were published on 20 16-07- 18. Please refer to the actual situation for the current purchase policy. )
Click to view more comprehensive, timely and accurate new house information.