(1) Documents required for purchasing a house in full.
1. Married: marriage certificate, ID card and household registration book of both husband and wife.
2. Single: ID card, household registration book and single certificate.
3. Other documents in line with local policies.
(two) the documents required for the loan to buy a house
1. Married: marriage certificate, household registration book, income certificate, a copy of the company's business license stamped with the official seal, running salary card (one or six months, different banks, different needs), ID card, spouse ID card, spouse household registration book, and spouse marriage certificate. If two people borrow money together, the spouse also needs to show proof of income, a copy of the company's business license, official seal and running salary.
2. Single: single certificate (which can be issued by the unit, street or local police station), household registration book, income certificate, bank memorandum and ID card.
3. Other documents stipulated by local policies.
Second, what should I pay attention to when buying a house after marriage?
In order to effectively safeguard their legitimate rights and interests, according to the relevant provisions of the marriage law and judicial interpretation, buying a house after marriage needs to pay special attention to the following aspects:
(1) Both parties to the contract attend in person.
In the process of buying a house, many signing processes are involved, such as signing a sales contract, applying for a mortgage, and transferring transactions. Both husband and wife need to be present at the same time. In addition to signing the real estate sales contract, both parties need to be present in person when applying for mortgage and handling the transfer formalities. In addition, when handling the transfer formalities, in principle, both parties are required to be present at the same time, because according to the Property Law, whether the property purchased by both husband and wife is owned by * * * or * * * needs to be reflected in the sales contract and then stated in the property ownership certificate, so 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 the relevant matters clearly.
(2) Certificate preparation is the key.
When a husband and wife buy a house together, they need to provide many documents, and none of them can be less. Couples need to provide proof of income when applying for a mortgage. If you are a non-local resident, you need to provide proof of local tax payment or social insurance payment for more than 1 year, otherwise it will be handled according to the loan policy for non-local residents. (3) The principal loan and the secondary loan are particular.
As the credit policy has changed, the determination of the main lender and the sub-lender should be based on the actual situation, not simply on the income level. When the husband and wife jointly repay the loan, when determining the main lender and the secondary lender, they must be determined according to the actual situation. Under normal circumstances, in a bank housing loan contract, only one party is regarded as a "lender" (usually referred to as the main lender), and the other party can be regarded as a "* * * lender" regardless of whether the names of both parties are written on the property ownership certificate. When determining the main lender, we should choose the spouse with high and stable income, and pay attention to the age limit, otherwise it will affect the loan term.
(3) The share shall be determined in advance.
Husband and wife buy a house together, what is the share of property? It needs to be determined in advance to avoid future disputes. According to the provisions of the Marriage Law: "The property acquired by husband and wife during the marriage relationship shall be jointly owned by husband and wife, unless otherwise agreed by both parties." Therefore, even if the name of the other party does not appear on the real estate license, it does not affect its ownership of the house.
(4) Prospective couples buy houses and re-register.
What needs special reminder here is that there are many prospective couples buying houses together. In order to reduce disputes, experts suggest making some efforts on the registration content of real estate license.
For people who buy a house after the couple get married, although many times it is purchased by both parties and then registered in the names of both parties, the real estate is generally owned by the husband and wife. However, if a couple buys a house with personal property after marriage and registers it in a personal name, the property is often recognized as personal property at this time.
legal ground
People's Republic of China (PRC) Civil Code
Article 1062 The following property acquired by husband and wife during the marriage relationship is the common property of husband and wife and belongs to them:
(1) Wages, bonuses and remuneration for labor services;
(2) Income from production, operation and investment;
(3) Income from intellectual property rights;
(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;
(five) other property that should be owned by * * *.
Husband and wife have equal rights to dispose of the same property.
Article 1063 The following property is the personal property of one of the spouses:
(1) one party's premarital property;
(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.
Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife.
Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.