Beijing husband and wife buy a house together, can they get loans at the same time?

Couples are not allowed to borrow money together. There can be a * * * repayment person or a * * * lender. If you want an accurate answer, you can ask China wisely, but I can tell you that you can borrow provident fund through business, but this must be done by one person, not two people at the same time. This is a portfolio loan. The cycle of portfolio loans is very long, which is estimated to be about half a year, and the general owners will not agree. This is ... Who can guarantee that nothing will happen during this period? Even if there is no accident, the salesman of the intermediary company will have to wait for half a year to get your commission, but if there is an accident, the intermediary company will not get the money, even if you pay the agency fee, the salesman will not get it. As long as it comes out, it will be very troublesome, and both the owner and the customer will suffer. Only the intermediary company will not suffer, understand this friend?

What is a real estate joint name?

Shared real estate refers to the behavior that couples or prospective couples and other closely related people buy houses together, and the real estate license reflects two names. Husband and wife buy a house together, including loan signing, house transfer and other procedures, both parties need to be present together, and all kinds of documents should be ready. In addition, the choice of primary and secondary lenders and the division of real estate share need to be communicated in advance. If the prospective husband and wife jointly buy a house, in this case, * * * jointly buy a house, and if both parties jointly contribute * * *, they need to register their names on the property ownership certificate at the same time. If the contribution ratio of both parties is different, although the names of both parties will be registered on the real estate license, the proportion of each party must be stated. There is also a situation that needs to be considered in advance, that is, if only one party contributes, whether to register the name of the other party in the real estate license; If registered, what is the share of the non-investor, and it also needs to be determined and stated in the real estate license. Legal basis "Civil Code"

Must there be two couples' names on the real estate license for joint loans?

Joint loan, the real estate license does not necessarily have the names of two couples, brothers, friends and so on can jointly borrow money to buy a house. . .

Because of the loan to buy a house, there is no requirement that it must be a joint loan between husband and wife. Generally, a joint loan and a purchase price need to be written on the real estate license. If you don't write your name, who will only pay and have no share of the property?

Even father and son, brothers, grandparents, sisters, friends, etc. Non-relatives can jointly borrow money to buy a house and write their own names on the real estate license.

What restrictions, requirements and conditions do you need to buy a house with your parents?

A parent and

Underage children

Legal problems of joint housing purchase

In recent years, a parent and

Underage children

With the increase of joint purchase of houses, the following issues should be paid attention to in granting such loans.

1, the concept of minors. Minors refer to people under 18 years old, and they have no complete

Civil Capability / Civil Capacity

, can't buy a house, apply for a loan, mortgage and other civil acts, but 16 years old and 18 years old, with their own.

Labor income

As the main source of life, as a complete.

Civil Capability / Civil Capacity

, can carry out the above civil acts. In practice, this situation is relatively rare. If you encounter this problem, you should be cautious. In principle, it is not easy to lend.

2、

legal representative

about

Agency behavior

. Legally called/kloc-a minor under 0/0.

A person without civil capacity.

, should be made by

legal representative

Acting for civil activities. 10- 18 minors are called restrictions.

Civil Capability / Civil Capacity

People can engage in civil activities that suit their age and intelligence. Other civil activities are represented by legal representatives or agreed by legal representatives.

3. File format of minor's signature. A parent and

Underage children

When buying a house together, the minor, as the owner of the property, should be regarded as in the loan document.

mortgager

The form appears. The documents that need the minor's signature are on the application form.

mortgage contract

, mortgage statement.

mortgager

Signature column, taking the specific signature format as an example:

For example: father Zhang San, mother Li Si, underage.

Zhangzi

5. Zhang San and Zhang Wu buy a house together, and Zhang San applies to the bank at the same time.

loan for purchasing house

, the format of the signed document is as follows:

mortgager

: Zhang San, Zhang Wu, Zhang San, Li Si; Or four generations of Zhang Wuli, Zhang San,;

Or: Zhang San, Zhang Wu, three generations (at this time, Li Si needs to sign a statement agreeing to the agency)

Because both parents are minors.

legal representative

The mortgage of minor children should be made by parents.

Agency of both parties

Or with the consent of both parents. So when it's needed,

Underage children

The signed documents should reflect the agency relationship between parents, or a statement issued by one party on behalf of the other party agreeing to be represented by one party (attached).

According to whether the minor children are over the age of 10, as the principle of differentiation, the signing formats are differentiated. The aforementioned minors under 10 are

A person without civil capacity.

, should be made by

legal representative

As his agent, he is engaged in civil activities, so minors under the age of 10 do not need and should not sign the loan documents for confirmation. 10- 18 minors are called restrictions.

Civil Capability / Civil Capacity

People, for civil activities beyond their age and intelligence, are represented by legal representatives, or with the consent of legal representatives, that is to say, minors aged 10- 18 can be signed by their parents, or by minors with the consent of their parents.

What is said here is completely operated under legal principles. In practice, we can operate in the above way, which is more convenient and does not need to deliberately distinguish the age of minors.

Two people jointly borrow money, can I write a name on the real estate license?

When two people jointly borrow money, one person's name can be written on the real estate license, but the other party needs to agree. . .

Because the real estate license is a loan for several people, as long as it is the name of one party in the housing contract, the real estate license can only be handled in the name of one party.

If two people jointly borrow money, they are obliged to repay it, but the real estate license has only one name, and the other party has no property right. If anything happens, the other party pays off the house loan for nothing and can't catch anything.

So you have to get permission to write a person's name