Should we repay the mortgage together after marriage? In real life, many men will buy a house before marriage, and then slowly repay the mortgage after marriage. Mortgage is also one of the issues that many couples are very concerned about. Let's see if we should repay the mortgage together after marriage.

Should we repay the mortgage together after marriage? 1 You can repay the mortgage together:

Because it was the man who signed the house purchase contract before marriage and registered the house purchased in his own name,

Therefore, the pre-marital housing belongs to personal property, and after divorce, the housing property belongs to the man alone.

The woman can get half of the repayment after receiving the marriage certificate, and half of the rights and interests of the value-added part of the house after repaying the loan after marriage.

According to the provisions of the Marriage Law, since the marriage certificate is obtained, the income and salary of both of them will be owned by * * * after marriage, so no one will repay the loan.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Basic concepts:

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject). Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low;

On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Should we repay the mortgage together after marriage? 2. Precautions for new house loans.

Step 1: Before applying for a loan, the buyer must first provide a personal housing mortgage loan commitment letter to the bank. Then, the buyer applies for personal housing mortgage loan, fills in the loan application approval form, and submits relevant materials (original and photocopy of down payment voucher, sales contract, ID card, proof of economic income source, etc. ) to the loan bank;

Step 2: Sign and seal the "Guarantor's Opinion" column of the loan application form;

Step 3: The bank reviews all the materials and documents submitted by the loan personnel and approves them step by step;

Step 4: Take back the completed procedures, and then issue loans according to the legally effective loan contract;

Step 5: Go to the housing management office to handle the registration procedures of real estate mortgage;

Step 6: Inform the developer to get back the loan contract, and the developer will issue a certificate of paying off the house payment to the loan bank;

Step 7: Inform the borrower about the loan contract, IOU and insurance policy;

Step 8: File the loan file.

1, make good use of the provident fund

The interest on provident fund loans is relatively low, so it is very important to make good use of your own provident fund. At present, the amount of provident fund loans generally does not exceed 80% of the total house price, and the longest loan period is 30 years; Therefore, provident fund loans should be used well.

2, multi-party comparison and selection of banks

Different bank down payment ratio, loan term and loan interest rate all have choices. Choose the corresponding personal loan scheme for different customer groups. When the living room handles personal housing loans in the bank, it can transfer the housing loans to the bank that suits it.

3. Comprehensive measurement of interest rate concessions

Interest rate is an important price factor in mortgage loan. Many commercial banks will offer personal housing loan services with fixed interest rate, so that buyers can choose fixed interest rate loans or floating interest rate loans according to their own judgment on the future interest rate trend.

4. Repay on time to avoid penalty interest.

After handling the mortgage, the customer should ensure that the loan is repaid on time every month. If they can't repay the loan in time, they will not only pay the penalty interest to the bank, but also affect their credit history. This kind of loss is far from being compensated economically.

Should we repay the mortgage together after marriage? Can I repay the mortgage in advance?

It is mainly to pay off the remaining loan amount in advance at one time, which is more common in mortgage. Because the repayment method of the lender and the loan contract are stipulated, if the repayment method is different, it may be considered as a breach of contract by the bank. However, whether prepayment is a breach of contract is related to the relevant policies of the bank. At present, there are three ways for major banks to repay in advance:

1. No matter when repayment is made in advance, it is not a breach of contract and no penalty will be charged.

2. Apply to the bank and repay in advance after the application, otherwise it will be regarded as a breach of contract;

3. If prepayment within a certain period of time is a breach of contract, you need to pay a certain amount of liquidated damages, but it is not a breach of contract after the deadline.

Prepayment of mortgage loan process

Step 1: Check the requirements of prepayment in the loan contract, and pay attention to whether it is necessary to pay a certain penalty for prepayment.

Step 2: You can call the loan bank in advance to inquire about the application time and minimum repayment amount of the loan and other materials that need to be prepared.

Step 3: Apply to the relevant departments for prepayment according to the requirements of the bank.

Step 4: The lender carries relevant documents to the loan bank and goes through the formalities of prepayment.

Step 5: Submit the prepayment application form and deposit the prepayment in the counter.

Housing loan method

1, provident fund loan

For those who have already paid the provident fund, buying a house with a loan can be the first choice. Because the provident fund loan has policy subsidies, the loan interest rate is relatively low, not only lower than the loan interest rate of commercial banks in the same period, but also lower than the deposit interest rate of commercial banks in the same period.

2. Commercial loans

For those who have not paid the provident fund, they can apply for commercial loans. As long as your balance in the loan bank accounts for not less than 30% of the purchase price, and it is used as the down payment for the purchase, and there are assets recognized by the loan bank as collateral or pledge.

3. Portfolio loan

If you use the provident fund to bring in more than the limit, you can use a portfolio loan. The interest rate of portfolio loan is moderate and the loan amount is large, which is the loan method chosen by many home buyers.