Unlicensed couples can also borrow money to buy a house. After buying a house, the property can be registered in the names of two people and belong to the same property of two people. It should be noted that when buying a house before marriage, you must pay attention to writing the names of two people on the real estate property certificate. At the same time, we can draft a prior agreement on the proportion of investment between the two parties, and truthfully write down the amount of the investor, the ownership of the house and how to handle the transfer formalities after marriage, or notarize the property before marriage.

What should couples pay attention to when buying a house?

1, the house price should be suitable.

Nowadays, many young couples usually need the help of their parents if they want to buy a house. Therefore, when young couples buy a house, regardless of their own conditions or parents' conditions, they must choose a house with the right price. Many young couples are too eager to have a home, regardless of whether they want to buy a house that they and their families can't afford. Once they buy it, the whole family will be financially strapped.

2. The down payment amount should be clear.

Many couples have very good feelings when they are in love, so it is easy to choose to buy a house on impulse. However, soon there will be emotional problems, and housing disputes will follow, tired and tired. Therefore, if couples want to buy a house, they must clearly distinguish from the down payment.

If the couple didn't consider getting married when buying a house together, then the proportion of down payment needs to be actually agreed. At this time, both men and women can make an agreement in the house purchase contract according to their own capital contribution ratio, and collect relevant receipts to prove that even if there is a problem between the two parties afterwards, there is proof. Of course, if the relationship between the two parties is stable and they are about to get married, the down payment will not matter.

3. Be cautious about the loan issue.

When banks handle mortgage loans for individuals, they will conduct very strict loan approval, so if unmarried couples want to borrow money to buy a house, then the party with credit problems will not handle the loan. Therefore, when husband and wife go to the bank to apply for a loan, they should sign an agreement to clarify the loan rights and obligations of both parties. Once one spouse is unable to bear the repayment funds, the other spouse still needs to bear it. If the relationship is not good in the future, then the lender can only bear it alone, so an effective agreement is very important to avoid this kind of thing.

4. Real estate documents should be clearly written.

Property ownership certificate is definitely a very important thing for buyers, and when buyers buy a house, whether the name of one party or the names of both parties is posted on the property ownership certificate will lead to different results. If the names of both parties are posted on the real estate license, then after the couple get married, the house must belong to the property of the couple, but the loan is also the debt of the couple. If after buying a house, the husband and wife have emotional problems and finally break up, then the allocation of the house will definitely be decided according to the investment of both parties. Therefore, in this case, the relevant evidence of capital contribution and loan repayment should be preserved, so as to safeguard their own interests.