Do children in relay races have property rights?

Lending real estate property right consultation

If you want to borrow money to buy a house, you generally need to mortgage the property to the bank, and you can't go through the transfer procedures before repaying the loan. The best immediate measure now is to sign an agreement with your in-laws, and this suite is yours.

The problem of relay loan

Relay loan is the abbreviation of personal housing relay loan. Relay loan refers to a housing credit product in which children (or children and their spouses) are the owners of the houses purchased, and both parents or one of them and their children are the same borrowers.

Agricultural Bank of China and China CITIC Bank have launched relay loan business. In the relay loan business, the child is the owner of the house purchased, and both parents or one of them and the child can purchase housing credit products as the same borrower. In other words, the bank can calculate the monthly repayment amount according to the sum of the accumulated income of all borrowers, so as to increase the loan amount, and realize the dream of buying a house by means of "relay loan" through the joint efforts of father and son.

The advantage of relay loan is that it can appropriately extend the age of the borrower and the loan period, and is not limited by the prescribed upper limit; The disadvantage is that there may be disputes between parents and children because of housing property rights, or disputes between heirs because of inheritance disposal.

However, to apply for personal housing "relay loan", certain conditions are required: both parents and children as borrowers have stable jobs and incomes, and the sum of borrowers' incomes has the ability to repay the loan principal and interest, and the older parent is not over 60 years old. Regarding the loan interest rate, if the house purchased is the first house for children, it can be implemented according to the first home loan interest rate.

What needs special reminder is that relay loans can only be used for new real estate loans, not for second-hand housing loans. In addition, with the contraction of mortgage loans, the business of individual banks may be suspended. If there is such a demand, friends can ask the bank first.

Application conditions of relay loan

Applicant qualification: (1) The borrower has a stable occupation and income and is expected to have a stable retirement income; (2) The borrower designates one of his children as the sole co-payer of the house, and the designated co-payer promises to "undertake the agreed obligations of the loan contract to the borrower and the mortgagor and not cancel the mortgage until the principal and interest of the loan are paid off.

Housing loan, my father buys a house, I help to pay it back, and I relay the loan. Sorry, I returned it when I bought the house.

Whether it is the first suite or not, the Housing Authority only recognizes the name of the title certificate. If your name is in the housing authority system or the real estate license, it is the second suite.

Whose name is written on the property certificate of the relay loan between son and father?

Conditions for loan processing:

1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

Relay loan, daughter-in-law's down payment and monthly payment are all written in the name of mother-in-law. Now my mother-in-law says she wants to sell the house. How to divide it?

My mother-in-law has the right to sell the house because she is the owner of the house.

Daughter-in-law keeps the down payment and monthly bills, and distributes them according to the proportion of capital contribution and profit after selling the house.

If you have any objection to the uneven distribution, you can only find a lawyer.

This matter is best settled by your family through consultation.

The Agricultural Bank of China's personal housing relay loan, the father's debt is also paid, and the son has a mortgage. Are there two sets? 10 point

1. ABC's relay loan, the mother is the borrower, and the children's income is only the guarantor. According to the mother's first set, the maximum loan is 70%, which does not occupy the child's qualification to buy a house again. It will be reflected in the credit report at most that you will have this debt.

2. At present, you have real estate mortgage, which belongs to having a house and a loan. If it really counts, it's three sets. At present, three sets of loans are not allowed. Logically speaking. At best, it will only increase your debt Not qualified for occupation.

What is a relay loan? What are the requirements for applying for a relay loan?

Hello, what are the application conditions for relay loan?

1. As the borrower's parents, they must have full capacity for civil conduct, have a stable job and income, and be under 60 years old;

2. As a borrower's children, they must also have full capacity for civil conduct and have good career prospects (not limited to stable work and income);

3. The monthly repayment amount of this housing loan shall not exceed 50% of the borrower's total household income, and the monthly debt expenditure of the borrower's household shall not exceed 55% of its total household income.

Advantages and disadvantages of applying for relay loan

In the relay loan business, the child is the owner of the house purchased, and both parents or one of them and the child can purchase housing credit products as the same borrower. In other words, the bank can calculate the monthly repayment amount according to the sum of the accumulated income of all borrowers, so as to increase the loan amount, and realize the dream of buying a house by means of "relay loan" through the joint efforts of father and son.

The advantage of relay loan is that it can appropriately extend the age of the borrower and the loan period, and is not limited by the prescribed upper limit; The disadvantage of relay loan is that there may be disputes between parents and children because of housing property rights, or disputes between heirs because of inheritance disposal.

Please refer to the above answers provided by Ronglian Ye Wei.

I'm divorced and separated, and now I want to buy a house with my father by means of relay loan. My name is not written on the property certificate.

Then go to the notary office to notarize the agreement, or have the parents' will notarized. Only in this way, the agreement is sometimes uncertain, but after notarization, there is no objection.