Husband and wife can buy a house with separate loans. Both husband and wife need two people to come forward together to buy a house, because according to the marriage law, after marriage and during marriage, the house should be the same. Later, it takes two people to get a loan to buy a house. It is necessary to submit the information of both parties and go through the loan procedures.

In the specific process, one person can be the main lender and one person can be the sub-lender, making joint repayment. The two sides can negotiate how to operate first, but at the bank level, two people are needed. To deal with this house in the future, it needs two people to deal with it together. One person can't borrow money or buy or sell it privately.

If, after consultation, both parties agree that the borrowed house belongs to their personal property, they can make an agreement on the ownership of the house. In order to avoid property problems in the future, first write a prenuptial agreement and complete the notarization procedure, and the house will be owned by the individual.

legal ground

Article 1062 of the Civil Code of People's Republic of China (PRC) * * * The following property acquired by husband and wife during the marriage relationship is the common property of husband and wife and belongs to both husband and wife * * *:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;

(five) other property that should be owned by * * *.

Husband and wife have equal rights to dispose of the same property.

Article 1063 of the Civil Code of People's Republic of China (PRC) * * * The following property is the personal property of one spouse: (1) the premarital property of one spouse; (2) Compensation or compensation obtained by one party for personal injury; (3) Property that is determined to belong to only one party in the will or gift contract; (4) Daily necessities used exclusively by one party; (five) other property that should be owned by one party.

After marriage, husband and wife buy a house together, can they borrow money for one person?

Yes, one is the main lender and the other is the same lender. At present, the most common loan is to buy a house, but whether it is a commercial loan or a provident fund loan, there are certain loan quota restrictions and repayment requirements. The lender's income is twice the monthly repayment.

What matters should be paid attention to when buying a house with a husband and wife loan:

1. Materials needed to prepare a house with a * * * loan:

A. ID card (double-sided for 2nd generation);

B. Household register (front page, index page, individual page);

C, proof of income (provided by the bank, only need to stamp the unit seal on it);

D. purchase contract;

E. marriage certificate;

F, down payment receipt.

Among them, ID card, household registration book, marriage certificate and down payment receipt need to be copied in triplicate.

2. Both parties shall attend the formalities.

If the contract is signed by both husband and wife, both parties need to be present in person when signing the contract. If one party cannot attend, it must go through the formalities of notarization and authorization.

When applying for mortgage loan, both parties need to be present in person.

When applying for a mortgage, they sometimes apply together in the name of husband and wife, so the bank needs to examine the qualifications of both of them at the same time and must sign at the same time when handling relevant procedures.

Extended data:

Houses purchased by husband and wife after marriage generally belong to the common property of husband and wife, except for special provisions. Even if only the name of the husband or wife is registered on the real estate license, it does not affect the determination that the house is the joint property of husband and wife.

Whether one of the spouses is the "main lender" or not, both spouses have the obligation to repay the housing loan. Only when the divorced party judges the real estate can it make a request to change the house lender and relieve the obligation of repaying the loan.

Therefore, the debt arising from the housing loan is also the same debt of the husband and wife, which needs to be repaid by the husband and wife together, so of course it needs to be signed by both parties. Generally speaking, if you buy a house with a loan after marriage, no matter whether the buyer is husband and wife or both parties, you must sign a loan contract.