1 has different legal meanings. In the case of a single person buying a house, the house belongs to personal property, while the husband and wife buying a house belongs to the joint property of the husband and wife. When dealing with the house in the future, the formalities of the husband and wife's house will be more troublesome. In addition, if you buy a house alone, you will get divorced when you get married in the future, and the house will still belong to your personal property. If you are married and have bought a house, in the case of divorce, even if the other party has not spent money to buy a house, it should be included in the marital property and separated from the other party.
2. The loan amount is different. If you borrow money to buy a house, the loan amount of a single house is different from that of a husband and wife, and the loan amount of a husband and wife is higher.
3. The information needed to buy a house is different. Singles only need to provide personal information to prove that they buy a house, while couples need to provide information proof of both husband and wife, such as marriage certificate.
Matters needing attention for couples to buy a house
1, make the purchase budget
The first thing that couples should consider when buying a house together is the purchase budget. Both husband and wife should carefully calculate how much money can be used to buy a house at present, and also consider all kinds of taxes, insurance, maintenance funds and a large number of subsequent decoration expenses when buying a house, so as to control the budget within a reasonable range.
2. Traffic factors should be considered.
For couples in their careers, what they have to consider when buying a house is the traffic problem. Convenient transportation not only saves transportation costs, but more importantly, convenient transportation can reduce the time spent on the road and improve efficiency. Therefore, it is best to buy a house in a convenient location, such as near subway stations and bus stations. At the same time, considering the working places of both parties, try to choose an area that is more eclectic from their working places.
Both husband and wife must be present when buying a house.
In the process of buying a house, there will be many signing procedures, whether it is signing a sales contract, a bank loan contract, handling the house transfer and other procedures, both husband and wife need to be present. If you can't be present, you must also go through the notarization and authorization procedures and explain the relevant matters clearly.
4. Agree on the share of real estate
(1) Couples who have got a marriage certificate
Under normal circumstances, if both husband and wife have obtained marriage certificates, the property is generally divided equally. However, some couples will divide their property clearly even after marriage to avoid disputes in the future. It is suggested that such couples must agree on the personal ratio before buying a house. If they share, they need to divide it in advance and write it clearly on the real estate license.
(2) prospective couples who have not yet obtained a marriage certificate.
In real life, many prospective couples will buy new houses before marriage, so they can't apply for joint property when they buy a house together without a marriage certificate. Then, the purchase of real estate at this time should be based on the capital contribution of both parties, which requires the prospective husband and wife to reach an agreement on their share before going through the relevant procedures to avoid future disputes.