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For most people, the cost of buying a house is not a small sum, and buying a house with full payment is something that they cannot do in their lifetime. Some people may not be able to afford the down payment, so most house purchases are settled through a mortgage. If you have a mortgage, how do you add your wife's name? Next, let’s take a look with the editor of Yingting Law Firm.

How to add my wife’s name when I have a mortgage
1. To add your name to the property certificate with a loan, you need to go to the lending bank to go through the mortgage procedures first (the name can only be added with the consent of the lending bank)
2. Application fees: If the loan is a provident fund loan, an additional 100 yuan is required; if it is a combination loan: a provident fund commercial loan, an additional 200 yuan is required.

3. Accurate marriage certificate, ID card, real estate certificate and their copies are required;
4. Both parties go to the housing transaction center where the house is located to fill in the joint property ownership certificate and request to add the name of the spouse. The window staff will review the submitted materials; if there are no problems with the data, you can get the queue number and go to the relevant window.

Yingting Law Firm's professional fields include: legal services in safeguarding the rights of various types of houses and breeding farms and other building structures that are deemed to be illegally constructed (illegal construction), expropriation and demolition of companies, enterprises, factories, and breeding farms, expropriation and compensation of houses on state-owned land, rural land expropriation and housing resettlement compensation, administrative agreements, etc. The scope of agency covers Beijing, Shanghai, Tianjin, Yunnan, Guizhou, Sichuan, Chongqing, Xinjiang, Qinghai, Gansu, Jilin, Liaoning, Shandong, Hebei, Henan, Hubei, Hunan, Shaanxi, Anhui, Jiangsu, Zhejiang, Jiangxi, Guangdong, Fujian, Hainan and other regions.

5. The related expenses required to add the name on the real estate certificate. The main basic expenses are production costs, cadastral drawing fees, sticker fees, registration fees, etc. If the process goes smoothly, you can basically get the real estate certificate with the added name in about 20 days. Since the procedures and methods of purchasing houses in different regions are different, the procedures for adding names to the house book are more or less different.

If the property is still being repaid, the process of adding the wife's name will be much more complicated. First, the couple should go to the bank to apply for a mortgage change. After the bank approves it, they can go to the local housing management department to re-apply for the ownership transfer. Usually, they can obtain a new title certificate after 7 working days, and then go to the bank to apply for a mortgage loan again.

If the parties get married or something else happens after buying the house, they can add their names to the real estate certificate. Adding names to the real estate certificate must follow strict procedures. When applying for the real estate certificate for the first time, you can directly apply for the real estate certificate. After that, you can apply for a co-ownership certificate to the real estate transaction department without additional fees. Bring the real estate certificate and marriage certificate, and both parties can go to the real estate management department in person to apply.

Things to note when adding your name to the real estate deed
1. When adding names, the procedures and fees are different for couples who add names before marriage and after marriage. If the house is purchased before marriage, it is regarded as the property of one party before marriage. If the other party of the couple needs to add names after marriage, the property rights change should be handled according to the steps of real estate transactions. In this case, deed tax must usually be paid.

Personal income taxes and other charges.
2. The operation process of adding the name of spouse, children, parents or direct blood relationship to the real estate certificate is different. Compared with other relatives, adding spouse is the easiest. It is recommended that you consult the local housing management department in advance to understand the relevant precautions. If you want to know more about this, you can consult lawyer Ying Ting for one-on-one online consultation.

The legal knowledge in this article does not represent legal advice. If you encounter similar problems, you should analyze them in detail.