Many post-90s couples who are still in love.

Everyone began to think about buying a good house before getting married.

A person who wants to buy a house but can't afford a mortgage,

In this case,

Many couples will choose a joint loan to buy a house.

Then, if you are not married, can you jointly borrow money to buy a house? What should I pay attention to? Does the house bought together without a marriage certificate belong to the joint property of husband and wife?

Today, Bian Xiao will tell you about it ~

1. Can we buy a house together without a marriage certificate?

You can buy a house together without a marriage certificate, and the property belongs to the common property of both parties.

Second, can you buy a house without a marriage certificate and get a joint loan?

Two people who don't get a marriage certificate can jointly borrow money to buy a house.

3. Can a non-husband-wife relationship apply for a common provident fund loan?

Non-husband-and-wife relationship does not allow common provident fund loans, because the two sides are not directly related in law, and the housing provident fund management audit will not pass.

According to relevant regulations, the current provident fund loans are based on both husband and wife. Without marriage registration, only one party can use the provident fund loan as a borrower.

Fourth, how to avoid disputes when buying a house together before marriage?

When buying a house together before marriage, we must pay attention to writing the names of two people on the property certificate and discuss the investment ratio of both parties;

With the help of lawyers, draft a legally binding entrustment agreement, truthfully write down the amount of investors, the ownership of the house and how to handle the transfer procedures after marriage.

This agreement will have legal effect, which can better protect the legitimate rights and interests of both parties and prevent unnecessary disputes in the future.

What are the precautions for verbs (abbreviation of verb)?

1. Before the relationship between husband and wife is determined, if only one party can borrow money, after the breakup, the repayment will be borne by this party. Therefore, we must distinguish the arrears contributed by all parties, determine the main lender and the sub-lender, and negotiate the repayment method in advance.

When buying a house, it is likely that parents and relatives borrow money because of insufficient savings. Therefore, before buying a house with a loan, the investor's money must be clearly divided, and it is best to give the borrower an iou to avoid confusion.