If you want a loan, you should also check the credit information of the two when you buy a house together before marriage. If you don't have a loan, you don't have to check it. If one party's credit is unqualified, it may lead to the rejection of the mortgage, so you can also consider buying a house alone and adding your name after marriage. If you add your name after marriage, the tax will be lower, which can successfully solve the credit problem.

What should I pay attention to when buying a house after marriage?

1, do a good job in budget planning

Buying a house is a very important thing for every family, so it is necessary to make a good budget when buying a house. This budget also includes plans for household income and expenditure, whether there will be large consumption in the next few years, whether the husband and wife should change their jobs, renovation costs and the cost of purchasing furniture and appliances. Only when buyers make a good purchase budget can they fully consider various factors, and the budget planning made in this way is the most reasonable. Most importantly, this will not lead to insufficient funds when buying a house.

2. Select the main lender.

If it is a loan to buy a house, even if both husband and wife borrow to buy a house, it does not mean that both husband and wife are loan subjects. During the face-to-face signing, the bank loan officer will ask which one of the husband and wife is the lender and which one is the lender to participate in the repayment. When determining the main lender and sub-lender, it must be decided according to the actual situation, which can be decided according to income, credit information and age.

The share is fixed in advance.

If unmarried prospective couples buy a house, they must agree on the share of the house when they buy it. Even if the name of the other party does not appear on the real estate certificate when married couples buy a house, it will not affect their ownership of the house. Therefore, in order to avoid disputes in the future, prospective couples must determine the share of real estate in advance when buying a house with a loan. According to relevant laws and regulations, car owners can choose * * * with * *.

4. Both husband and wife's certificates are indispensable.

When a couple buys a house, the materials they need to provide include both husband and wife. Therefore, people who borrow money to buy a house have more materials than one person and are indispensable. When applying for a loan, they must provide the bank with proof of income and social security of both parties. If one of the spouses passes the qualification examination, and the income is high, it is not a problem to repay the loan, then the income certificate of the other spouse can be omitted.

5. After the divorce, the "subprime lender" also has debts.

The house purchased by both husband and wife belongs to the property after marriage. When applying for a loan, the debts of both parties after marriage are the same. No matter which party is the main lender, no matter whether they apply for a housing loan or not, they have the obligation to repay the housing loan. Only when the real estate is decided by the divorced party can you ask to change the housing lender and relieve yourself of the obligation to repay the loan.