1. Divide the money contributed by each party clearly.
When you apply for a loan to buy a house, you should distinguish how much money the two sides spent to avoid disputes in the future. In addition, some couples buy a house before marriage, and their parents will help them. This money needs to be clearly divided, because if the two sides break up and there is no agreement or voucher, the parents' contribution is considered as a gift, and the money cannot be recovered.
2. Know your specific situation.
When handling loans, banks will have certain requirements for loan applicants. If the conditions are not met, the loan application may be rejected. In other words, if couples want to buy a house before marriage, they should ensure that they have a good credit record, a stable income and legal and valid identity documents. Once one party does not meet the requirements, the loan can only be handled by the other party, and the subsequent repayment will also become the debt of one party, so it is easy to cause disputes.
3. Determine the primary lender and the secondary lender.
Generally speaking, when signing a loan contract with a bank, only one of the men and women can be recorded as a lender, and the other can only be recorded as a lender, which involves the determination of a "primary lender" and a "secondary lender". As the bank will determine the loan amount and loan term with reference to the income and age of the applicant when approving the loan, it is suggested that when determining the main lender, it is best to choose the one with higher income and younger age to avoid the loan being affected.
4. Negotiate the repayment method.
You know, most people who can apply for a pre-marital loan to buy a house are young people, but all kinds of social activities, together with daily expenses, will be a big expense, and they may not be able to repay the loan in the future, so two people need to discuss the repayment in advance. Whether the housing loan is paid by two people or only by one party, and how to arrange the future income reasonably need to be negotiated by both parties in advance.