If you buy a house after marriage and use one party's personal property, you must prove that it belongs to one party's property in the future. Both parties can sign an agreement to prove that it is invested by one party, not the joint property of husband and wife, and indicate it when handling notarization and real estate license registration, so it belongs to one party's personal property. If it is funded by parents, parents can write a gift, then indicate that it is a gift to one party rather than both parties, and then notarize it, which also belongs to your personal property.

What should husband and wife pay attention to when buying a house with a joint loan?

1, the procedures should be complete.

To handle the relevant formalities of real estate sharing, you need to bring the marriage certificate, ID card, household registration book and purchase contract of both husband and wife. Only when you bring all the documents can you successfully handle the relevant registration procedures.

In addition, if both parties want to apply for a mortgage together, they need to provide proof of income of both husband and wife. Of course, when applying for a mortgage loan, if one of the parties has a high income, it is not a problem to pass the qualification examination and approval, and the income certificate of the other party is not needed.

2. The real estate formalities must be attended by both parties.

(1) Both parties to the contract are present in person. In the process of buying a house, many signing processes are involved, such as signing a sales contract, handling a mortgage, and transferring transactions, which require both husband and wife to be present at the same time. Under normal circumstances, when buying a house together, the names of two people should be written on the real estate license, and both parties should be present in person. If one party cannot attend, it must go through the formalities of notarization and authorization.

(2) In addition to signing the real estate sales contract, both parties shall be present in person when applying for mortgage and handling the transfer formalities. When applying for a mortgage, they sometimes apply together in the name of husband and wife, so the bank needs to review the qualifications of both of them and sign them at the same time when handling relevant procedures.

(3) When handling the transfer formalities, in principle, it is required to be present at the same time, because according to the Property Law, whether the property jointly purchased by husband and wife is joint or joint needs to be reflected in the sales contract and then stated in the property ownership certificate. Therefore, both parties need to be present to sign and confirm. However, if you can't be present, you must also go through notarization and entrustment procedures and explain related matters.

3. Prospective couples need to reach an agreement on the share of real estate.

Under normal circumstances, if both husband and wife have obtained a marriage certificate, then the property is generally divided equally. However, in real life, many prospective couples will buy new houses before marriage, so without a marriage certificate, it is impossible for both parties to jointly purchase houses and own real estate.