What should couples pay attention to when buying a house with a loan?
1, there must be a written agreement.
Couples buy a house before marriage, and signing an agreement is a necessary prerequisite for * * * to buy a house. Before the two parties determine the relationship between husband and wife, they can sign an agreement with each other to confirm the source of the purchase price, their respective contributions and even the proportion of property they enjoy. A written agreement contains objective facts and the agreement of rights and obligations of both parties. If there is a dispute, evidence can be found in time to avoid more serious disputes in the future.
2, clear the specific rights and obligations
At present, banks are particularly strict in approving personal mortgage loans. Unmarried couples borrow money to buy a house, and one party has a bad record. If they are unable to repay their credit cards, they are not allowed to apply for loans. In the actual operation process, if the two parties who borrow money to buy a house are not spouses, an agreement shall be signed to clarify the loan rights and obligations of both parties. In addition, one party still has to bear the responsibility for the bank. If the feelings are not harmonious in the future, then the lender will bear this huge "foreign debt" alone.
It is very important to sign a house purchase contract.
According to the regulations, the property before marriage belongs to each other and will not be converted into the joint property of husband and wife because of the continuation of the marriage relationship, unless otherwise agreed. If both parties pay for the house purchased before marriage, but only one party has a name, and the other party fails to reflect all the rights of the house in the house purchase contract, real estate license or related documents because of embarrassment or fear of affecting their feelings, then once faced with property division in the future, disputes will inevitably arise, and this party will be in a disadvantageous position where its rights and interests are easily infringed. In practice, the name is written on the house purchase contract, and you can ensure the registration on the certificate when you apply for the real estate license. When buying a house, whether it is a new house or a second-hand house, the names of two people can be reflected when signing the contract, and both parties can agree on the proportion of real estate in advance. After dividing the property rights according to the share in advance, both parties can enjoy the property rights or undertake the property obligations according to their respective shares, which is not easy to cause disputes.