Before marriage, the decoration loan does not need to provide information of both parties. You only need to provide the buyer's loan information, personal ID card, permanent residence booklet or temporary residence permit and other certificates that can prove that you have a valid residence status in the local area.
2. Invoice of newly purchased house (if the original house is renovated again, provide the house ownership certificate).
3. Proof of work income, such as work permit and continuous payroll for at least six months or more. If I still have some assets, I can also provide some additional certificates of assets and financial resources, such as certificates of deposit and automobile driving license, to prove to the bank that I have sufficient repayment ability.
4. The decoration project contract signed with the decoration enterprise and the purchase of decoration materials prove the purpose of the loan.
5. Business license and qualification certificate of the decoration enterprise.
Second, how to borrow pre-marital real estate loans
Property ownership certificate has registration date and authorized person. If the property right is your own name, you have the only right and can dispose of it at any time. There is a loan on the property right, but * * * undertakes the repayment, and there is a later income of * * *. If two people * * * jointly own property rights, legally, they each hold 50%. I hope the following content can help you. You can consult a lawyer for details.
According to article 17 of the new marriage law, the following property acquired by husband and wife during the marriage relationship belongs to both husband and wife: (1) salary and bonus; (2) Income from production and operation; (3) the benefits of intellectual property rights; (4) Property acquired by inheritance or gift, except the property that is determined to belong exclusively to the husband or wife in the will or gift contract; (five) other property that should be owned by * * *. In addition, article 19 stipulates that if the husband and wife are unclear about the property acquired during the marriage relationship, it should be the same property.
Corresponding to the limited property system, it is a clear definition of personal property. Article 18 of the new marriage law stipulates that in any of the following circumstances, it is the property of one of the spouses: (1) the pre-marital property of one of the spouses; (two) medical expenses, living allowance for the disabled and other expenses obtained by one party due to physical injury; (3) Property designated exclusively for the husband or wife in the will or gift contract; (4) Daily necessities of one party; (5) Other property belonging to one party.
Third, one of the husband and wife bought a house with a loan before marriage. Can the other party get a down payment after marriage?
One party buys a house with a loan before marriage. If it is a full house purchase or the loan has been paid off, it belongs to the first suite; If the loan is not paid off, it belongs to the second suite.
"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks.
Under the current policy, the married questioner and his wife already have a property right house in their own names, so buying a house in their own or their wife's name is considered as a second suite.
However, the specific implementation of this policy is not uniform everywhere. When it comes to the specific situation, you should consult the relevant local departments.
Extended data:
The first suite refers to the purchase of only one set of housing (according to the national standard of the first suite). The central bank stipulates that China urban residents can enjoy preferential policies such as preferential mortgage interest rate and minimum down payment ratio when purchasing the first home.
On September 30th, 20 14, the central bank released the latest mortgage policy and decided to relax the identification of the first suite. For families who own 1 suite and buy a house after paying off the loan, the first suite policy is implemented, and the minimum interest rate for the first suite loan is 30%.
From August, 2065438 to August, 2009, the national multi-city mortgage interest rate rose by 20%.
The so-called "first suite" must meet three conditions at the same time: the buyer 18 years old; The house you bought is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%); There is no house purchased alone or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or resettlement are excluded.
On September 30, 20 14, the central bank officially issued the Notice of the Central Bank and the China Banking Regulatory Commission on Further Improving Housing Financial Services, clarifying that families who own/kloc-0 apartments and have settled the corresponding housing loans will apply for loans again to purchase ordinary commercial housing and implement the first home loan policy.
The second suite is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is lower than the local average level, and then applies for housing loans from commercial banks.
The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated as the second home loan.
First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children);
Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level;
Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.
4. Do you need a spouse's signature for pre-marital mortgage?
Whether the pre-marital property mortgage loan needs the signature of the spouse depends on the situation: 1. If the pre-marital property needs to be mortgaged, if there is no property agreement on the property, the property belongs to the individual pre-marital property, and the individual does not need the signature of the spouse to handle the mortgage loan; 2. If the property has been agreed to be owned by both parties, the signature of the spouse is required to handle the mortgage loan. Personal housing mortgage loan process: 1, loan application, the borrower proposes the purpose, amount and time of the loan; 2. Housing evaluation, in which relevant institutions conduct on-the-spot investigation and evaluation of mortgaged houses; 3. Submit the loan approval, and submit all the loan application materials together with the evaluation report or investigation opinions to the bank for approval; 4. Notarization of loan contract. After the borrower and the mortgagor fill in all relevant documents, sign and press their fingerprints, they will be notarized by a notary; 5. Go through the mortgage registration formalities. The bank shall go through the mortgage registration at the Property Rights Office with the certificate of house ownership certificate and notarized loan contract; 6. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account. Legal basis: 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 pre-marital 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.