Houses purchased by husband and wife during their marriage, but there is no clear agreement between husband and wife, and only one person's name is written on the real estate license, which should be recognized as the joint property of husband and wife. Therefore, even if there is no clear agreement on a loan to buy a house, it is the same property after marriage. If you divide it later, you will divide it into * * *.
In this way, if you want to borrow money to buy a house after marriage, it belongs to your personal property, then both husband and wife should reach an agreement on the ownership of the property, and there will be no property disputes in the future. If necessary, you can write a notarized agreement.
Matters needing attention in buying a house with personal loan
1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability, family income, etc. in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.