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How to add a spouse's name to a mortgage? How to operate

Now with the crazy rise of house prices, there are not a few people who choose to buy a house with a loan, so the question is, how to add a spouse's name in the case of a house loan? Several operation methods.

(I) with loan real estate certificate and name

1. Go to the bank first to change the mortgage procedures;

2. Handling fee: 110 yuan. If the loan is provident fund, an additional 100 yuan is required; if it is a combination loan (provident fund loan + commercial loan), an additional 200 yuan is required.

3. Take three cards (marriage card, ID card, real estate card) and their copies;

4. Go to the housing transaction center, and the window staff will review the submitted materials.

(2) Real estate certificate and name without direct blood relationship

It's going to be a lot more complicated because it's going to be considered a house sale and it's going to cost you the following.

1. Transaction fee of 2.5 yuan per square meter.

2. For less than 5 years, 5.5% of business tax plus 1% of individual tax adjustment (the period of time is from the issuance date of the production license to the end of the trading day). For more than 5 years, it is unnecessary.

3. Stamp duty of 5 / 10000.

4.4 for this contract, each contract is about 5 yuan (different from each district's trading center).

5. If the man transfers 50%, all taxes will be calculated according to the market price. If one million houses are taxed, it will be 500000.

6. If there are several transferees on the certificate, the rights and interests of the certificate shall be divided equally.

(3) Name of wife, children and parents without real estate certificate

1. Take three cards (marriage card, ID card, real estate card) and their copies;

2. Go to the housing transaction center, and the window staff will review the submitted materials;

3. The fee for the name of the real estate certificate: 110 yuan, 80 yuan, 25 yuan and 5 yuan. If it goes well, you can get the real estate certificate in about 20 days.

(4) Special note: the title change between husband and wife is exempt from deed tax

In January 2014, the Ministry of Finance and the State Administration of Taxation issued a notice to exempt the deed tax for the change of the ownership of houses and land between husband and wife during the marriage.

The Ministry of Finance and the State Administration of Taxation recently issued a notice that during the period of marriage, the ownership of the house and land originally belongs to one party of the husband and wife, changed to the ownership of both parties or the other party, or the ownership of the house and land originally belongs to both parties, changed to the ownership of one party, or the ownership of the house and land originally belongs to both parties, both parties agree and change Joint share, exempt from deed tax.