Hello, I'm glad to answer your question.

is it true that it may cost hundreds of thousands to write two names in the real estate license? I don't know where you heard the news. Mortgage has nothing to do with writing a few people, not to mention that it may cost hundreds of thousands more.

I saw other answers to this question, because the mortgage has two names, so when buying a second suite, either of these two people will buy a house for the second time, and the mortgage interest rate will be raised. Is this possible?

the author holds a negative attitude towards this. Let's talk about my views on this issue.

there is no doubt that when buying a house for the first time, no matter whether one person's name or two people's names are written, as long as they belong to the same family, the mortgage ratio and interest rate will rise when buying a house for the second time, so there is no such thing as "spending more than 1 thousand yuan", which is not true, but there is one exception. The first aspect: mortgage ratio.

With regard to the mortgage ratio, the regulations in most cities are similar. The maximum mortgage ratio for the first suite is 7%, that is to say, for a house with a total price of 1 million, the maximum loan can be 7,. The highest mortgage ratio of the second suite is only 6% or even 5%.

and no matter whether buying a house for the first time or buying a house for the second time, as long as this house belongs to family property, even if only one person's name is written in the first suite, the mortgage ratio will still increase when another person buys the second suite, so there is no such thing as "spending hundreds of thousands more". The second aspect: mortgage interest rate.

compared with the mortgage ratio, the mortgage interest rate is even more important, because interest and mortgage interest rate are closely linked, which means that if the mortgage interest rate increases, the interest will also increase.

as far as the mortgage interest rate is concerned, if you are married when you buy the first suite, then this house will be counted under the family name. Even if you only write your name, when you buy the second suite, it will still be counted according to the amount of property under the family name, so there is no such thing as "spending more than 1, yuan".

of course, there is an exception to this situation, that is, after divorce, extra consideration is needed.

although some cities have revised the regulations now, buying a house within two years after divorce is still counted under the name of the family before marriage, that is to say, as long as you buy a house within two years after divorce, both the down payment ratio, the mortgage ratio and the mortgage interest rate are counted under the name of the family, which is to prevent the situation that "divorce is used as a place to buy a house".

of course, if this is not the case in your city, it is also an option, but it is not recommended for you to do so. As the saying goes, it is better to destroy ten temples than to break up a marriage.

Generally speaking, as long as you buy a house after marriage, the house you buy will be included in the family name, which means that whether one person's name or two people's names are written in the property ownership certificate, it will also be included in the family name when you buy a house for the second time, so there is no such thing as "spending more than 1 thousand yuan".

if you have other different opinions, please comment below!

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