You can buy a house in your own name after marriage. Is this property personal property or joint property of husband and wife? How to buy a house by separate loan after marriage?

First, how to buy a house with a separate loan after marriage

1. Sign a written agreement

If you buy a house in your own name after marriage, only one person's name is written on the real estate license, but if there is no special agreement between husband and wife, the property will still be owned by the husband and wife. Therefore, if you want the real estate to be personal property, the husband and wife can agree in writing, and they can sign an agreement or a confirmation letter, thinking that the real estate belongs to one party's personal property. There is no agreement, and the name written on the property certificate of buying a house after marriage is the same, which belongs to the joint property of husband and wife.

2. Parents contribute to buying a house.

If parents buy a house, the ownership of the house belongs to the parents. After parents buy a house at their own expense and transfer it to you in the name of giving it to you personally, then the property should be recognized as your personal property. However, if that's the case, you can't pay for the house. If you also invest in buying a house, the property will still be regarded as the property of husband and wife.

Second, married people want to buy a house without telling their spouses.

1. You need to go to the Housing Authority to go through the relevant formalities. If you buy a house after marriage, both husband and wife must be present in person. If one spouse is really unable to be present, the other spouse also needs to hold the power of attorney of that person.

2. If you buy a house after marriage in your own name, and the name of one party is written on the real estate license and marked as separate ownership, then you don't need both husband and wife to be present when you sell the house, as long as one party is present in the real estate registration. However, the proceeds from the sale still belong to both husband and wife, unless both parties have relevant agreements when buying a house, or the proceeds are notarized by a notary office.

Summary:

All of the above are about how to buy a house with a separate loan after marriage. I believe everyone knows something about this article and I hope it will help you.

After marriage, husband and wife buy a house together, can they borrow money for one person?

Yes, one is the main lender and the other is the same lender. At present, the most common loan is to buy a house, but whether it is a commercial loan or a provident fund loan, there are certain loan quota restrictions and repayment requirements. The lender's income is twice the monthly repayment.

What matters should be paid attention to when buying a house with a husband and wife loan:

1. Materials needed to prepare a house with a * * * loan:

A. ID card (double-sided for 2nd generation);

B. Household register (front page, index page, individual page);

C, proof of income (provided by the bank, only need to stamp the unit seal on it);

D. purchase contract;

E. marriage certificate;

F, down payment receipt.

Among them, ID card, household registration book, marriage certificate and down payment receipt need to be copied in triplicate.

2. Both parties shall attend the formalities.

If the contract is signed by both husband and wife, both parties need to be present in person when signing the contract. If one party cannot attend, it must go through the formalities of notarization and authorization.

When applying for mortgage loan, both parties need to be present in person.

When applying for a mortgage, they sometimes apply together in the name of husband and wife, so the bank needs to examine the qualifications of both of them at the same time and must sign at the same time when handling relevant procedures.

Extended data:

Houses purchased by husband and wife after marriage generally belong to the common property of husband and wife, except for special provisions. Even if only the name of the husband or wife is registered on the real estate license, it does not affect the determination that the house is the joint property of husband and wife.

Whether one of the spouses is the "main lender" or not, both spouses have the obligation to repay the housing loan. Only when the divorced party judges the real estate can it make a request to change the house lender and relieve the obligation of repaying the loan.

Therefore, the debt arising from the housing loan is also the same debt of the husband and wife, which needs to be repaid by the husband and wife together, so of course it needs to be signed by both parties. Generally speaking, if you buy a house with a loan after marriage, no matter whether the buyer is husband and wife or both parties, you must sign a loan contract.