Buying a house after marriage requires two people to sign a loan. Because the loan to buy a house after marriage generally belongs to the joint debt of husband and wife, which needs the signature of both parties, and the debt generated by the loan to buy a house also belongs to the joint debt of husband and wife. Whether the property buyers are husband and wife or both parties, they must sign a loan contract, and both husband and wife need to repay. If you can't be present, you should also go through the formalities of notarization and make the relevant matters clear.
First, do you need to sign a house loan after marriage?
Both husband and wife need to sign, because this belongs to the same debt of husband and wife. To apply for a house loan, you need to meet the following conditions:
1. The borrower shall provide the legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport to purchase the commercial house designated by the bank in this city;
2. The borrower opens a deposit account in the bank, and the deposit balance is not less than 30% of the house to be purchased;
3. Submit valid purchase contracts, agreements and other supporting documents to the bank;
4. Agree to mortgage the property under the purchase contract;
5. Willing to perform all the terms of the loan contract;
6. Other conditions stipulated by the bank.
2. Must both husband and wife sign the house purchase contract at the same time?
1. If the buyer of the house purchase contract is husband and wife, both parties must sign it at the same time, and then two real estate licenses will be issued. This is called * * * owning * * real estate.
2. If the buyer of the house purchase contract is a husband and wife, then the signature of the buyer is enough, and the signature of the spouse is not required.
3. if you buy a house with a loan, you must sign a loan contract regardless of whether the buyer is a husband and wife or both parties.
3. What is the maximum amount of provident fund and loan for both husband and wife?
The formula for calculating the maximum loanable amount is: the monthly income of the borrower's family (monthly income = the monthly contribution of the employee's individual housing provident fund ÷ the contribution ratio of the employee's housing provident fund), the remaining amount after deducting the monthly living expenses of at least 400 yuan, and then dividing it by the monthly repayment amount of the loan per 10,000 yuan during the loan application period, which is the maximum loanable amount. The following is the maximum amount of provident fund loans for individuals and couples in major cities across the country.
Fourth, the husband and wife * * * use the loan to buy a house to prepare materials
1, ID card (double-sided for 2nd generation)
2. Household registration book: home page, index page and personal page.
3. proof of income: provided by the bank, only need to stamp the unit seal on it.
4. Purchase contract
5, marriage certificate: just take one.
6. Deposit receipt
Second, couples only write the name of one party when buying a house. Does the loan need two signatures?
This is a matter for both husband and wife, and both of them should be present. This is a basic loan requirement because it is the property of both husband and wife.
3. Do couples need to sign a loan to buy a house together?
It better be.
4. Why do husband and wife have to sign a mortgage?
It's very important here. It needs two people to sign and confirm. This is the procedure. We have to go. Here, thank you.