There is a difference between pre-marriage loan and post-marriage loan. Pre-marital loans belong to personal debts, and post-marital loans belong to the same debts of husband and wife.

Second, what is the difference between buying a house before marriage and buying a house loan after marriage?

Buying a house with a loan before marriage belongs to personal property, and the repayment of the loan is borne by the individual. Buying a house by loan after marriage belongs to the joint property of husband and wife, and the loan also belongs to the joint debt of husband and wife.

3. Can couples borrow money to buy a house before marriage?

There are more and more cases of buying a house now, and they want to double it after getting married. So in this case, one of the husband and wife buys a house with a loan before marriage, and the two parties can analyze several situations after marriage, as follows.

Case 1: One of the husband and wife bought a house with a loan before marriage, and the loan has been paid off.

In this case, both husband and wife can still borrow money to buy a house after marriage, and they can still be regarded as the first suite according to the policy. If they take out a loan, the down payment is only 20%-30%.

Case 2: one of the husband and wife bought a house with a loan before marriage, and the loan was not paid off.

1. If the husband and wife check out together after marriage, according to the new policy, they belong to the second suite, not only the loan interest rate is -60%.

2. Some banks will have stricter requirements for families who already have mortgages to apply for mortgages. If the wife and wife's repayment ability are not reached, the loan application will be rejected.

Situation 3:

The purchase restriction order has not been revoked. Many areas stipulate that only one suite can be purchased in the restricted purchase area. Therefore, if the husband and wife get married before marriage, it is very likely that they will not be able to borrow money to buy a house after marriage. The specific loan to buy a house needs to be decided according to the local housing policy.

Whether a couple can borrow money to buy a house before marriage depends on the above situations. At the same time, whether the loan is paid off is also related to the appraisal of the first suite and the second suite, which is generally unfriendly to the second suite policy. What's the difference between buying a second suite and returning it to your family? What's the difference between the money I paid before marriage and the loan after marriage?

The money borrowed before marriage belongs to the pre-marital debt (legally you can not bear the responsibility). If the loan after marriage is used for family or business expenses, it belongs to family debt (legally you are responsible for repayment).

Let's see what others say.