In less than a month, the first batch of post-90 s will "rush to 4"! ! !
Unconsciously, the post-90 s have entered the 30-year-old mark. However, although they have reached marriageable age, many people still choose to buy a house before getting married. Here comes the problem. In the first-and second-tier cities with high housing prices such as Beishangguangshen and Shenzhen, it is still difficult to buy a house alone after 90. So someone thought of buying a house with the other half of the loan.
But can unmarried couples borrow money to buy a house? Does the house bought together without a marriage certificate belong to the joint property of husband and wife?
Can we buy a house together without a marriage certificate?
Two people who don't get a marriage certificate can also buy a house in partnership! After buying a house, the property can be registered in the names of two people, and they belong to the same property, which is the "* * * property house" introduced by Xiao Liang before.
Can I apply for a commercial loan without a marriage certificate?
If two people don't get a marriage certificate, they can also apply for a commercial loan when buying a house. However, when applying for a loan, both parties should negotiate to confirm the relevant matters of the loan. For example, confirm that one of the two parties becomes the main lender, and negotiate to determine the proportion and amount of their respective loans.
Can non-husband and wife apply for provident fund loans together?
Non-husband and wife can apply for housing provident fund loans as long as both parties are property owners and meet the conditions for applying for individual housing provident fund loans and purchase the same set of self-occupied housing.
How to avoid disputes when buying a house before marriage?
When buying a house before marriage, you must pay attention to writing two people's names on the real estate property certificate. At the same time, a prior agreement can be drafted on matters such as the proportion of capital contributions by both parties, which truthfully indicates the amount of the investor, the ownership of the house and how to handle the transfer formalities after marriage, or notarize the pre-marital property.
Other preventive measures
1. Before the marriage relationship between the two parties is confirmed and after the breakup, if one party chooses to withdraw from the loan or change the main borrower, disputes may arise, so it is necessary to clarify the amount of capital contribution of both parties.
When buying a house, it is inevitable to ask parents, relatives and friends for help. Therefore, before buying a house with a loan, you must clearly list the money of each investor, and it is best to borrow money from the borrower to avoid confusion.