First, the problem of buying a house loan before marriage
Whether buying a house before marriage or after marriage, there is a high probability of applying for a mortgage. Buying a house loan before marriage is slightly different from buying a house loan after marriage.
There are two kinds of loans, provident fund loans and commercial loans.
Among them, provident fund loans can only be applied on a family basis, that is, only husband and wife, parents and children can apply for provident fund loans together, so unmarried men and women cannot apply for provident fund loans together.
As for commercial loans, as far as we know, the whole country is not unified, and the banking regulations in different cities are different, so men and women need to consult local banks. If the bank allows * * * pre-marriage loans to buy a house, then you can go through the normal process. Generally, it is necessary to submit the income certificates of both parties, bank accounts, identity accounts and other materials required by the bank.
Second, buying a house before marriage does not belong to the same property?
Does the house bought before marriage necessarily belong to personal property? Not necessarily, even if you buy a house before marriage, it will become the same property as marriage under the following circumstances:
(1) If you buy a house in full before marriage, and the names of both parties are registered on the property ownership certificate, then the house is the same property;
(2) Before they got married, mortgage to buy a house registered the names of both parties in the real estate license, and repaid the loan after marriage. The house is owned by * * *;
(3) Before marriage, both parents invested in buying a house, and the names of both parties were registered on the real estate license, so the house is the same property;
(4) Before marriage, if Party A buys a house in full, and the house is registered in the names of Party A and Party B, it is deemed that Party A gave half of the house to Party B, which belongs to the same property of Party A and Party B;
⑤ Before marriage, A bought the house in full, and the house was registered in A's name. The change of house after marriage is registered in the names of a and B. It is considered that A gave half of the house to B, which is the same property of A and B;
⑥ Before buying a house, Party A pays the down payment, the house is registered in the names of Party A and Party B, and Party A and Party B repay the loan after marriage, so the house is the same property of Party A and Party B;
All landowners buy a house before marriage, A pays the down payment, the house is registered in A's name, and A and B*** return it after marriage. After marriage, I hope to register the house in the names of A and B as the same property, but what if the bank refuses to change the registration on the grounds that the loan has not been paid off? Both parties can sign a property agreement, stipulating that the house belongs to AB and notarized by the notary office.
To sum up, if buying a house before marriage is registered under the name of A and only A or A's parents pay for it, then the personal property belonging to A before marriage also belongs to A after marriage. If the house is registered under the names of A and B before marriage, the house will be recognized as the joint property of husband and wife, and the loan will also be recognized as the joint debt of husband and wife.
Third, during the period of love, * * * invested to buy a house in the name of one party. What should I do with the house after breaking up?
If the house is registered in the man's name and the woman has paid, the house belongs to the man, and the man should return the woman's money when breaking up. There is a premise here that the woman has sufficient evidence to prove that she has paid the house payment. If there is no evidence, it is difficult to get protection.
If the house is registered in the names of two people, but there is no share in the property right, and the two sides have not agreed on the share, then according to * * *, each person will have half.
If two people's names are written and the distribution ratio is agreed, one party has to pay the down payment of the other party's expenses, and the value-added part of the house is divided according to the proportion of capital contribution.
Note: the house purchased in full before marriage belongs to the buyer; The house bought with a loan before marriage belongs to both husband and wife.
Now many girls are struggling with the fact that they don't have their own names on the real estate license, and they feel very insecure. However, Bian Xiao feels that among many people who haven't bought a house, how lucky they are to have a house of their own. So don't care too much, feelings are the most important.
Source: Network