In addition, couples can also apply for a * * * loan, but when applying for a mortgage, there are a main lender and a sub-lender, and the main lender of the mortgage needs to write his name on the real estate license, otherwise the bank review may be difficult to pass.
Generally speaking, anyone who buys a real estate license with a husband and wife loan can write a name, but the name of the main lender must be there. Because according to the new marriage law, the house bought by husband and wife on loan belongs to the same real estate, whether there is a name ownership on the real estate license will not change.
How can a couple buy a house and let it belong to one party?
1, enter into a property agreement before marriage
If the husband and wife concluded a property agreement before marriage and notarized it. In this way, the property after marriage will be executed in accordance with the property agreement. When one party purchases a house with personal property agreed in the property agreement, the house belongs to personal property.
This is also the reason why many female stars marry wealthy businessmen and notarize their property before marriage.
2. Parents buy a house and then give it to their children.
If the property purchased by one parent for their children after marriage is registered in the name of the investor's own children, it will be regarded as a gift to only one of their children. If the real estate does not belong to the joint property of husband and wife, it shall be deemed as the personal property of one of them. Once divorced, you will not participate in the division of property after marriage!
In other words, for example, the man gives his parents money, and the parents come forward to buy a house in full, and then give it to the man. The purchase behavior is the man's parents, the name of the man's parents is registered in the real estate, and then the gift formalities are handled. The recipient is a man, so the house also belongs to personal property.
One of the disadvantages of the above method is that there are more taxes and fees for real estate gift. Parents can make a will if they want to reduce taxes and fees. After death, the house will be inherited by the man, and the tax on property inheritance will be less.
3. Agreement on buying a house after marriage
In fact, there are also provisions in the Marriage Law: husband and wife can agree that the property acquired during the marriage relationship and the property before marriage belong to themselves, * * * or part of it belongs to themselves, and part of it belongs to * * *, and the agreement should be in writing. In addition, the agreement between husband and wife on the property obtained during the marriage relationship and the property before marriage is binding on both parties.
Therefore, the husband and wife can sign a house purchase agreement after marriage, stating which party the property right belongs to, and then go to the local notary office for notarization. Moreover, when handling real estate, just hand over the notarial certificate to the real estate license authority, so that the house will always belong to one party's personal property.