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问问房屋有贷款可以加名字吗？流程是什么

问问房屋有贷款可以加名字吗？流程是什么

浏览：58次 | 提问时间： 07-20 04:07

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你别走 07-20 04:07

房产证上加名字的三种主要方式
1、将房屋产权赠予。
2、进行房屋买卖。
3、析产登记。房产证上加名字要收费吗
（一）、没有贷款房产证加妻子、子女、父母名字
1、需要带好三证(结婚证、身份证、房产证)以及其复印件。
2、去当地房屋交易,窗口的工作人员会审核你提交的材料。
3、所需的费用:110元的手续费、80元的手续费、25元的籍图费、5元的贴花费。假如办理手续顺利的话,大约20天上下就能拿到房产证。
4、假如是以夫妻关系的加名,通常是不用收费用的,只需要缴纳一定的工本费即可(实际看当地的政策)。
（二）、有房屋贷款的房产证加名字
1、要先去银行办理抵押手续变更。
2、所需要的费用:假如贷款是公积金的,需要另外加100元。假如是组合贷款(也就是公积金贷款+商业贷款),需要加200元费用。同一个时间段里还需要加上110元手续费。
3、之外其他的步骤和前面无贷款的流程一样。
（三）、对于没有直系血缘关系的房产证加名字此类情况比较复杂,可以视为房屋买卖,实际费用有这些：
1、每平方米2.5元交易费。
2、不满5年,5.5%的营业税加1%个调税(时间是从产证发证日期到交易日未止),满5年则可以免去。
3、万分之5的印花税。4、4本合同,每本约5元(各区交易不一样)。
5、男方转让50%,的税按市场价格计算,假如100万的房子记税值就是50万。
6、产证上有几人转让的,产证权益按平均分。

都是我的错 07-20 04:24

房产证上加名字及办理费用，主要有以下几种情况：第一种情况：房屋有贷款尚未还清假如房产有贷款，则无论是加配偶或是子女的名字，都须征得抵押权人(通常为银行或公积金中心担保公司)的同意方可加名字，而通常抵押权人是不会同意的，实务操作中是还清贷款后方可加名字。，假如房屋有贷款要增加名字或去除名字，则应该先还清贷款。第二种情况：房屋无贷款，或贷款已还清，要加配偶的名字夫妻双方本人带好身份证、结婚证、房产证和土地证(均需原件)至行政服务中心房管窗口办理即可。乡镇房产至各乡镇房管所办理即可。所需全部费用：住宅加名字的费用是100元(配图费20元+登记费80元)。非住宅加名字的费用是570元(配图费20元+登记费550元)。当然，以及去掉配偶名字的情况。夫妻婚姻存续期间可以添加对方为房屋产权共有人，在婚姻发生变化(如离婚)产生离婚析产时，可以将房产变更到其中一人名下，需缴纳住宅登记费80元每套，配图费20元每套。第三种情况：房屋无贷款，或贷款已还清，要加子女的名字很多市民认为，父母房屋加子女名字是天经地义，也是很简单的事，更不应该需要费用。但从物权来讲，现产权人是甲一人，即房屋的百分之百产权属于甲，要在房产证上添加名字，也即意味着房屋的产权从原属甲一人的变化为属甲乙二人共有。房屋登记部门在办理相应的所谓加名手续时，会按照产权转移的方式来办理相关手续。由此看来在房产证上添第二人名字，被添加人无论是子女还是父母(配偶属特殊情况)、或是陌生人，原理都是一样的，都是将原属于一个人百分之百的房屋产权，转移其中的部分产权(实际比例双方可约定)给第二人。但双方可约定实际的转移方式：买卖还是赠与。买卖和赠与过户费用是完全不一样的，选取哪种方式，要视情况而定。

给我安稳 07-20 04:32

房产证上是贷款主体的名字。房产证上是可以加名字的，可以加上自己的名字。有贷房子房产证上加名字时,应先到借贷银行办理抵押变更手续，然后到当地房地产交易中心办理加名手续。假如贷款是纯公积金的,需另外支付100元费用。假如贷款是公积金+商业贷款的组合形式,则需要支付200元。加名字所需的证件材料:房产证、户口本、身份证、婚姻证明(结婚证或单身证明),未成年子女需提供户口本或出生证明。除了带足证件,还需准备好各类证本的复印件。非常小心留意事项:在到当地交易中心办理加名字时,房屋的产权人和加产权人都要到场。

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