When applying for a loan under the condition of husband and wife, the spouse has the right to know, and the bank will consider the joint repayment ability of both husband and wife to determine the loan amount. If the husband is the main lender, the spouse's credit report is only for reference.
Second, does the pre-marital property mortgage require the signature of both husband and wife?
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The house is pre-marital property, but now you apply for mortgage, regardless of whether you are married or not, the real estate certificate is the name of one party, but the bank requires both husband and wife to sign it together, one party is the borrower and the spouse is the joint debtor.
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3. Is it necessary for both husband and wife to mortgage the house owned by one party before marriage?
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Generally speaking, credit loans are based on personal credit reports to inquire about assets, liabilities and overdue. If the house is only in the name of one person, there is no need for the other party to make a credit report.
Fourth, the house bought by individuals before marriage is now mortgaged, and both husband and wife must be present. ...
As long as you can prove that this is your personal property before marriage.