问:我们夫妇是退休职工,为改善住房条件,于2002年7月购买了一套商品房。根据政策,我们已无资格贷款,所以只能以儿子的名字贷款购房,但每月都是用我们的退休金还贷,直到旧房卖出后,我们用卖房的钱加上找亲戚借的钱还清了贷款。最近,考虑到以后可能因房子问题发生纠纷,我们想把房子归于自己名下,但咨询房管部门才知道,办这么一个手续还需缴纳一万元以上的各种费用。我们认 Q: Our couple are retired workers. In order to improve housing conditions, a commercial house was purchased in July 2002. According to the policy, we are no longer eligible for a loan, so we can only buy a house with a son’s name, but every month we use our pensions to repay the loan until after the old house is sold, we borrow the money from the house to find relatives Money paid off the loan. Recently, taking into account the future may be due to disputes over the house, we want to put the house at his own name, but consulting the housing department did not know that to do such a procedure also need to pay more than 10,000 yuan of various fees. We recognize