Legal analysis: the real estate license is the name of two people, one of whom can apply for a loan, but two people must sign the real estate license at the same time. If the other party doesn't agree, it can't be handled.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 679 A loan contract between natural persons is established when the lender provides the loan.
Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
2. Can a couple buy a house alone and get a loan?
Judging from your question, do you want to use the real estate license as collateral? If so, yes.
Yes, but only with the consent of one party and a fair certificate issued by the notary office, or both husband and wife can go to the bank where they borrow money, but the lender can be one person. If you don't know anything else, you can consult my number in detail. I hope it works for you. Thank you.
3. Can a husband and wife get a loan for their own house?
After marriage, both husband and wife can buy a house together, and if one party's work income proves to meet the requirements of the bank, they can borrow money; See mortgage supervision materials 1. First-hand housing mortgage loan to buy a newly developed new house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself. The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate. Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages. 2. Second-hand housing mortgage loan is second-hand housing. You need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself. Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.
4. Can a couple get a loan for each house?
Housing provident fund can be used by both husband and wife to buy a house. If one party's deposit is not enough, both husband and wife can add up the provident fund to make a loan. After a husband and wife make a loan, the other party may not use the provident fund loan again before the loan is paid off.
If you get married, you must provide a marriage certificate, and each party holds 50% of the property.
Provident fund withdrawal is generally once a year or half a year. After the husband and wife buy a house, they can apply for withdrawal with the loan contract and the down payment invoice. But the withdrawal amount shall not exceed the loan amount.