Couples can't use provident fund loans to buy a house. Provident fund loans can only be used by families, and only couples, parents and children can use provident fund loans to buy houses. If they are unmarried couples, they can't buy a house together, because they are not a family without a marriage certificate. A licensed couple can borrow money to buy a house. After buying a house, no matter who is the main lender, the name of the other party can be written on the real estate license.
What problems should couples pay attention to when buying a house 1, real estate registration.
Because they buy a house together in the name of husband and wife, it is necessary to make clear the registration of house property rights in the process of buying a house. If it is registered in the names of both parties and their respective shares are not specified, it will be half of one person. When registering the names of both parties, it is necessary to clarify the share ratio of both parties in advance, because when the names of two owners appear on the real estate license at the same time, it is necessary to divide the property rights, and both parties can enjoy the property rights according to their own.
2. Investment in the purchase price.
Because the cost of buying a house is still relatively high, and if the husband and wife buy a house together, because they have not yet got married, the properties of both parties belong to personal property. In order to avoid wasting parents' savings, it is suggested that both parties distinguish their respective expenses and leave proof when buying a house. If it is funded by parents or relatives and friends, in addition to indicating the name on the real estate license, an agreement must be signed separately. Because when there is a problem in the relationship between the two parties, if there is no agreement, the parents' contribution will be considered as a gift to both parties, and parents can't recover the contribution.
3. How to divide the house?
It is relatively simple for couples to break up, unlike the divorce of husband and wife, which requires property division. However, if both parties buy houses, this situation will be different. The internal relationship is * * *, and the proportional share is determined according to the actual capital contribution of both parties. Foreign relations are the owners of the house, and the way to deal with the house needs the consent of two people. In the case of emotional breakdown, if one party wants to get all the property rights, it needs to negotiate with the other party. For the result of negotiation, it is necessary to handle the transfer formalities in time. If a loan is not paid off, it is necessary to cancel the mortgage first, and then apply for a mortgage loan, which also involves a series of taxes and fees, which will consume a lot of energy and money.