Whether you can get a loan to buy a house immediately after divorce depends on the relevant regulations of the bank: under normal circumstances, the real estate management department has no special requirements for buying a house after divorce, so it is enough to clearly divide the property after marriage and clarify the real estate situation under its name. After the divorce, there is no real estate in your name. Buying a house should be considered as the first set and you are eligible to buy a house. ; But since we want to buy a house through a loan, we need to look at the relevant policies of the bank. At present, many banks have issued a policy that divorcees apply for the first home loan, and they must divorce for 1 year before they can lend money, so as to plug the loophole of "suspected fake divorce to buy a house", that is, at the time of bank review, borrowers whose husband and wife have real estate during their marriage relationship must divorce for 1 year before they can meet the first home loan standard. Or ask for a divorce for more than 3 months before applying for a mortgage. Therefore, it is recommended to consult the local bank directly to confirm whether you are eligible for immediate loan to buy a house.
After the divorce, the registered permanent residence is still in the man's house. Will you approve the loan to buy a house?
If it doesn't matter, you can buy a house and provide ID card, divorce certificate or single certificate.
1 See whether the house was bought before marriage or after marriage. What you buy before marriage is one party's personal property before marriage, and the other party has no right to divide it. If one party bought it before marriage, but the other party's name was added before or after marriage, it is the property of both parties.
If the house is bought after marriage, even if there is only one person's name, it is the property of your husband and wife and should be divided equally.
However, whether bought before marriage or after marriage, if the loan is repaid together, the part of the loan repaid after marriage and the value-added part should be equally divided. Specific division scheme: the Supreme People's Court's explanation on some issues concerning the application of the Marriage Law of the People's Republic of China.
(III) Paragraph 2 of Article 10 "The amount paid by both parties after marriage and the corresponding value-added part of property" can generally be calculated according to the following formula: the part paid by the husband and wife after marriage (including the principal and interest repaid after marriage) ÷ the actual purchase price (purchase price+all interest paid at the time of divorce) × the market price of the house at the time of divorce.
Can I borrow money to buy a house after divorce?
In real life, because many people have incomplete legal knowledge, they may have some unnecessary doubts about many problems. For example, whether a divorced person can borrow money to buy a house is obviously possible. As long as you meet the conditions of the loan, you can borrow money to buy a house. Whether a husband and wife are divorced or not is not necessarily related to the loan to buy a house, and will not affect each other. Materials to be provided for mortgage loan: 1, ID card of applicant and spouse, original and photocopy of household registration book (if applicant and spouse are not registered in the same household, proof of marriage relationship shall be attached; If you are single, you need to provide a single certificate). 2. The original purchase agreement. 3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price. 4. Proof of the applicant's family income and related assets, including salary slips, personal income tax returns, income certificates issued by the unit, bank deposit certificates, etc. 5. The developer's collection account number is 1 copy. What does fake divorce mean to buy a house? In the context of financial austerity, it is even more difficult for citizens to buy a second suite. Some people use their brains, such as couples pretending to divorce, or using fake divorce certificates to cheat to buy a second suite. Lawyers reminded that if you cheat to buy the first suite with a fake divorce certificate, you may face a double blow of manpower and financial resources, not only to compensate the developer, but also to provoke the official into the classroom. False divorce means that one or both of the husband and wife have no real intention of divorce, but they file for divorce because of the collusion or fraud of the other party. Fake divorce includes two situations: one is conspiracy divorce. The second is fraudulent divorce. Collusion divorce refers to the divorce behavior that both parties conspire to divorce temporarily for the same or their own purposes, and then remarry after the purpose is achieved. Although the fake divorce has fulfilled the divorce procedures, it lacks the conditions for divorce. So the effect of fake divorce should be divided into the following two situations: 1. If the parties to a fake divorce do not marry a third person, their divorce can be declared invalid. 2. If one or both parties to a fake divorce have married a third person, it shall be deemed that their remarriage is valid. At this point, the claim of the fake divorce party to declare the fake divorce invalid is eliminated, and the original fake divorce takes legal effect. To sum up, can I borrow money to buy a house after divorce? We can know that buying a house is not necessarily related to whether a couple is divorced. The laws of our country do not stipulate that you can't get a loan to buy a house after divorce. Even you can buy it immediately after divorce, as long as you have certain economic strength, and then you can bring the relevant documents when you buy a house.