What are the conditions for a couple to buy a house loan

1. First, both husband and wife must attend. If you want to hold a wedding where the husband and wife live together, both people must attend together. This is First thing. According to the "Property Rights Law", whether a house purchased by a husband and wife together is owned by the husband and wife must be clarified in the sales contract and marked on the real estate certificate. Therefore, the parties must be present and notarized.

2. If you are unable to attend, you must also undergo notarization and accept the entrustment. Second, all proofs must be prepared. Both husband and wife must bring their marriage certificate and household registration book in order to check in. In addition to the fact that the couple must be present together when applying for the property ownership certificate, when applying for a house mortgage loan, you must present proof of your family income. If you have a non-local household registration, you must submit the local tax certificate or social security certificate of both parties. Otherwise, it will be treated as if you have a non-local household registration. Loan policy processing.

3. Of course, when applying for a mortgage loan, as long as one person's salary is relatively high, there will be no problem in the review of qualifications, and the other person's income certificate does not need to be submitted. Third, if the distribution is agreed upon in advance and the house purchased jointly by the husband and wife is usually owned jointly by the husband and wife, that is, the husband and wife have equal property rights.

4. If they are an unmarried couple and have not received a marriage certificate yet, they bought it together because they have not received a marriage certificate yet. Therefore, we recommend that you share your shares according to the proportion of your respective capital contributions. That is, you should clearly state your shares when registering. According to the relevant laws, the owner can choose and have the form. If he chooses to share the property jointly, both parties will enjoy the same interests: if the property is divided according to the share, the priority will be divided, and it will be noted on the real estate certificate.

5. There are several special points that need attention. Because I didn't understand the relevant policies, I registered the same house in the name of one party, which could also increase the property of the same owner. To add a registered owner, a donation must first be notarized at a notary office. One party will donate one of his shares to the other party and then register it again.