What are the risks of someone else transferring the mortgaged house to your name?

There are risks. A friend wants to transfer the house to your name and borrow money in your name. It's risky.

Although he transferred the house to your name. If you want him to borrow, don't help him if the borrowing exceeds the house price recommendation, because it may implicate you. In the future, if you borrow or take out a loan, it will be affected, if you are buying a house or buying something else.

You may be implicated. Even. Neglect of students going to school when buying a house.

That kid will be affected when he becomes a soldier. To do this kind of thing, you have to think about whether it is good for you, if not. Don't borrow money from the other party.

If it's a trap, that's going to trap you in. The money he borrowed will be paid back by you. Think about the scenarios you might face in the future.

Generally speaking, the property in the mortgage cannot be changed in property rights, and the property can only be transferred after the loan is cleared. The best way is, of course, to pay off the loan first, and then go through the transfer of property rights. If you have difficulty paying off the loan, you can also transfer the property to your name by remortgaging.

Both parties can go to the lending bank.

To apply, you can entrust the bank to handle the whole process, but you must have a proof of income.

Otherwise, the bank will not accept it. Conditions for Extended Information LoansThere is an age limit for the loan, the borrower must be between the ages of 18 and 60, and the actual age of the borrower plus the loan application period must not exceed 70 years old. Full capacity for civil conduct.

It refers to the ability of citizens to carry out any civil activity through their own independent acts. Citizens who have reached the age of 18 and are mentally healthy are persons with full capacity for civil conduct. Considering the nine-year compulsory education system in our country.

Citizens between the ages of 16 and 18. The borrower needs to have a legal and stable job and income**, and be able to repay the principal and interest of the loan on time. Have the ability to repay the principal and interest of the loan on time, that is, the lender has a stable occupation and stable income, and can repay the principal and interest of the loan on time.

The lender needs to have a good credit history and willingness to repay, and no bad credit history. Maintaining a good credit history can improve the ease and likelihood of individuals accessing financial support and financing services. Build your creditworthiness and work hard to maintain a good credit history.

In general, bank loans.

Generally, you need to provide a guarantee, a mortgage, or proof of income, and a personal credit report.

Good people have a higher success rate in applying.

It depends on what the reason for the transfer is given to you. If someone else's house is purchased with illegal gains, and the house is transferred to you in order to conceal and transfer property, then you will be guilty of covering up and concealing criminal proceeds, and you will be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance.

If someone else is a relative or friend of yours, the money to buy a house is also a legitimate way to earn, and the house is a gift to you. That doesn't make a difference.

1. In the future, if you buy a house and count it as a second house, the loan is not good, and you can only borrow 40,000 yuan, because the current bank recognizes the house and recognises the loan.

2. You should also pay attention to the way in which the property transferred to you by others was obtained, so as not to be dirty or illegally obtained.

Generally, there is no risk, but it should be noted that: 1 If you buy a house in the future, it will be considered a second set, and the loan will not be easy to do. 2 Ask about the house** so that it is not dirty or illegally gained.

Summary. On the other hand, if the property has not been given to you in the other party's name, then you must be careful not to help with the loan, because in this case you are guaranteeing the other party.

Hello, the risk of this matter and the benefits of receiving the boy and the benefit of this matter have this benefit is that the property is directly owned by you, and the law determines who owns the house, and the split is Nian Yuan staring at the registration of this property.

The so-called risk is that if you can't repay the loan, you may be sued by the bank to repossess the house.

Hello. My brother-in-law is a sinister person, and he said that he transferred 10 million store assets in my name. , in my name to help him borrow 5 million. Is there any harm to such a thing? Or if he doesn't taste it, it still affects me.

Hello, don't worry, this matter is only good for you, there is no harm, because this property has been owned by you, so even if you shout the last line or no matter how bad the situation is, at most you can't repay the loan, and then you make the advance, but this property has been owned by you in the legal sense.

But he doesn't have that many assets, right? He took out a lot of money in the name of the storefront.

What I know about him, he doesn't make that much money. He said that he would not be respectful to him. Go to Guess Zhao Shen to give me a loan of 10 million in my name and a loan of 5 million in my name. Doesn't that make a difference to me?

No, as long as the value of the property, which is higher than the loan value, it is equivalent to no loss for you, because the property can be guaranteed.

It is equivalent to if he can't taste it, his property will be deducted directly.

Dear, please note that as long as the other party transfers the property to you first, then this is not his property, but your property.

So as long as you can guarantee that the other party will transfer the development to you first, and then take out the loan in your own name, then there will be no loss for you.

On the contrary, if the property has been in the other party's name but not given to you, then you must be careful not to help with the loan, because in this case it is equivalent to you guaranteeing the other party.

In other words, there is no impact, and it can help with this.

Yes, yes, all things considered, as long as the property is transferred to your name, there is no risk for you.

If you buy a house with a mortgage loan, you can't transfer the property until the mortgage loan of the house is paid off. Only by paying off the bank loan and redeeming the property right from the bank can you apply for a fair transfer of ownership.

In addition, the early repayment of the house bought with a mortgage loan must be repaid for more than one year, and the repayment record in the middle is good and uninterrupted, so you can apply for early repayment.

If the landlord wants to sell the house during the mortgage period, he must pay off the mortgage before he can buy and sell the transaction and handle the transfer. Therefore, the buyer's house money can be used to repay the loan, and then go through the transaction transfer and other procedures.

What should I do if my husband and wife divorce during the mortgage period.

1) The property purchased by the husband and wife with a joint loan belongs to the joint property of the husband and wife, so the loan that has not been paid off also belongs to the joint debt of the husband and wife, so both parties must jointly bear the obligation to repay.

2) If the relationship between the two people breaks down and they divorce, the debt still needs to be repaid jointly by the husband and wife. However, if the spouses have agreed to do so, one of them may also make the repayment.

3) If the party who purchased the house after the divorce is unable to pay the mortgage, the bank still has the right to recover from the spouse. After the party who did not acquire the house has repaid the mortgage to the bank on behalf of the other party, the party who has not acquired the house can recover from the other party. In other words, externally or for the bank, the debtor is still the two parties, and the bank can recover from either party.

However, the husband and wife can agree on the ownership of the property and how the debt is to be shared, but it is only effective between the husband and wife, and cannot be used against the creditor, and if the bank claims the creditor's rights against the party who agreed not to share the debt, the party can recover from the other party.

Yes, you can go to the bank to transfer the mortgage loan, you can collect the down payment cash that others give you, change the name of the mortgage, take effect next month, and no salary will be deducted!

Can I transfer my bank card to someone else?

Can the mortgaged house be transferred?

OK. However, you need to go through some procedures, you can go to the bank to understand the specific situation or find a real estate agent to operate.

Summary. Hello dear, I am happy to answer for you It is risky for someone to transfer the house to your name and ask you to help with the loan. If the loan exceeds the house price recommendation, don't help him, because the other party may not be able to pay it back, it will implicate you, and if you borrow or take out a loan in the future, or if you are buying a house, it will also be affected.

Dear, hello, I am happy to answer for you It is risky for someone to transfer the house to your name and let you help with the loan. If the loan exceeds the housing price recommendation, don't help him, because the other party may not be able to pay it back, and you will be implicated, so that if you borrow or take out a loan, or if you are buying a house, you will also be affected by the defeat.

Legal analysis: Your friend transfers the house to you, he goes to apply for a mortgage and a loan, it is to shout righteousness in your reputation, if the other party does not repay the money on time, the bank will urge you to repay the money, if it reaches a certain amount and time, the bank will also sue you. After you take it, your credit will be affected, and if you want to take a loan to buy a house in the future, the bank will not lend you a loan.

Legal basis: "Interim Measures of the People's Bank of China for the Administration of Loans to Financial Institutions" Article 5 The People's Bank of China adheres to the principle of "reasonable disbursement, fixed period, recovery at maturity, and simple and resistant turnover use" in granting loans to financial institutions. According to the assets and liabilities of financial institutions, they should examine whether the use of their funds meets the requirements of the national industrial policy and monetary and credit policy, issue loans within the approved limit of the superior bank, and adjust the surplus and shortage.

In the use of funds, all financial institutions should persist in seeking a balance for themselves, face the market, and stress the efficiency of funds.

Dear, if you don't know anything, you can consult me at any time, as long as you need it, I am always there