屋子加名

小峰少

我们家3年前买了一间屋子，是用我姐姐的名字。
这两年都是我在供期的，共要换30年。
请问在这样的情况下，可以加上我的名字吗？之前因为我没有收入文件（现在也没有），所以只用我姐姐的名。
如果现在想加上我的名，可以怎样做？找律师楼办理大概要多少钱？有任何条件吗？
先谢谢各位大大的帮忙

snoopy_81

我们家3年前买了一间屋子，是用我姐姐的名字。
这两年都是我在供期的，共要换30年。
请问在这样的情况下， ...
小峰少 发表于 5-9-2011 07:12 PM

可以。
律师费和Stamp duty 要看屋子的市价了。。。

小峰少

可以。
律师费和Stamp duty 要看屋子的市价了。。。
snoopy_81 发表于 5-9-2011 08:35 PM

    银行方面无需理会吗？loan还是放我姐姐的名而已？
如果叫我姐姐立遗嘱，会否比较便宜和容易？

snoopy_81

银行方面无需理会吗？loan还是放我姐姐的名而已？
如果叫我姐姐立遗嘱，会否比较便宜和容易？
小峰少 发表于 5-9-2011 08:43 PM

有跟银行那consent,所以转名前最好先确定银行同意转名，当然，若ok的话，银行那儿又会有另一分的legal fees 了。也是要看屋价。

若遗嘱话，property 只能transfer subject to grant of probate obtained。

或许可以考虑做Deed of Trust。价钱也该没那样贵。

cutealex

sorry if no use Chinese, becos i intend to help ppl only.

LZ ur case more complicated.

1. your housing loan already fully disbrusement? i assume 3 years = YES.
2. Talk to your bank whether they are agreeable to add in ur name into SPA without change of loan status.
3. Some banks might required you to become their co-borrowers, guarantor as to secured and reduce their risk. Do you know this mean?
4. This is easy for the Banks to auction the house if no repayment done. they can take legal actions against your sister but they cannot do anythings on you. Thus, the Bank will require you to sign some T&C.
5. If the bank need not agreed. then you will need to do so called "refianance" the loan, then you have to pay SPA + bank loan agreement fees. All should be borne by you.
6. Some might advice you on Deed of Trust or Power of Authony but i can tell you... both agreement cannot really solve your problem.
7. The key point here is the ownership of the house. You can indicate the share of the house, for eg you are the one paying is then you can put 70% share under your name and 30% under your sister name...
8. Good luck and prepare $$ for above...

snoopy_81

我不明白如何add你的名字在SPA 里。SPA 在以前签下并且stamp了的，现在可以这样说加个名字就加的吗？奇怪。。。那我们的SPA不时很不安全？

若屋字有title，做Deed of trust 该没问题吧，因为title可以拿去land office 注册。

cutealex

Deed of trust cannot solve the issue of ownership...

meaning that LZ 可能 ask her sister to apply loan and buy the house with her sister name...now LZ have ablility to pay...

小峰少

我明白你们的意思，我希望在不用refianance的情况下解决，只是加个名字。只要我的名字在spa里，就表示屋子我有份对吗？

cutealex

LZ,

dont because you think this is easy and simple to  加个名字...

prior to 加个名字, you hv to face all above....is not as you think so simple, just ask Lawyer to draft SPA and add in your name...

dont forgot, the house is still belong to the Bank till you have fully paid... so any changes will still involve Bank financing...

小峰少

LZ,

dont because you think this is easy and simple to  加个名字...

prior to 加个名字, you hv t ...
cutealex 发表于 5-9-2011 10:07 PM

    所以如你讲的，先问问银行，他们是否同意让我们加个名字，如果他同意，我们就可以找个律师帮忙加名，然后只需给些律师费对吗？

cutealex

如果他同意,

1. 问问 Banks is that okay for the loan status. if ok, then you have to pay BOTH SPA and Bank loan agreement.

2. If they insisted to add in your name into the loan...then you have no choose to refinance..

小峰少

pay BOTH SPA and Bank loan agreement贵吗？
屋子市价大约RM90k吧

cutealex

准备 around rm8-10k for both

小峰少

准备 around rm8-10k for both
cutealex 发表于 5-9-2011 10:27 PM

    有这么高吗？怎样算？

abcdz

问律师吧。

小峰少

对，我会直接去问律师，谢谢。

lamiko

做么楼主之前买家的时候，SPA没有直接放楼主的名字？是谁告诉楼主一定要有收入证明，SPA才可以放名的？
有很多人没有收入，如家庭主妇，情妇等，一样可以拥有产业，只要有人肯为她们负担债务就可以了。
就以楼主的情况，SPA是可以单单放楼主的名字，然后loan那里看要联名，或是单单姐姐的名字（这要看银行肯不肯做pure 3rd party loan）。
楼主的loan现在已经出钱了，唯有问银行可不可以让你们加名字，如果银行同意的话，你再找律师未迟。如果直接找律师代办，慢点银行讲不可以，不知道律师会不会向你征收律师费咧！

cutealex

回复 17# lamiko


    What you saying is actually 50% correct...add name in SPA need not income is correct...

But maybe you not aware... some of the Banks are strictly required 2 SPA names = same 2 borrowers name, 1 SPA name = 1 borrower so on and so forth...

Like what i have mention... this is easier for Bank to proceed auction house and minimize the complexcity of the law and court process if bad debts...

Imagine, 2 SPA name in house, and 1 borrower here, when bad debts, Bank wish to proceed to auction, other 1 SPA owner which did not in bad debt and not liable to the loans...so how the things go to?

Anyhow, some banks still allow 2 name in SPA ,1 borrowers but the Bank will add in many clause to protect their interest...but still the risk is there....

conclusion...if LZ coincident is the bank that i mention, add name into SPA = become borrowers.... no income can become borrowers?

lolzzz....not to mention All these Dato's have huge FD/ Priority banking services that buy for their childrens lah... i meant General and overall here....

lamiko

回复 18# cutealex

100%肯定有些银行是有做3rd party loan的！当然，当你要做3rd party loan时，银行一定会说服你做1st party loan，不过如果你是valued or PB customer，他们都是会给的。
再来，如果loan是joint name的话，只要其中一位co-borrower的income已经符合要求，另外一位没有income证明也是没有问题的！
还有就是，3rd party loan不会影响到acution的啦，有做charge or assignment的嘛！

leowjc

其实，什么是Deed of trust？