Husband and wife need to come forward to borrow money to buy a house together. Article 17 of the Marriage Law stipulates the scope of the property acquired by husband and wife during the marriage relationship, that is, the property acquired by husband and wife during the marriage relationship is jointly owned by husband and wife, so it is necessary to jointly borrow money to buy a house.
Matters needing attention in the process of handling the joint loan of husband and wife to buy a house
1. When signing the contract, both parties should be present in person.
In the process of buying a house, many signing processes are involved, and both husband and wife need 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 go through the formalities on the spot, it must go through the notarization authorization procedures.
2. When applying for mortgage and handling transfer formalities, both parties shall be present in person.
When applying for a mortgage, sometimes they will apply together in the name of husband and wife, so the bank needs to examine their qualifications and sign at the same time when handling relevant procedures.
Number of owners and properties:
Lenders and property owners are different, whose name is written on the real estate license is agreed by both husband and wife, which does not mean that becoming a lender must be a property owner. The property after marriage belongs to common property in law (unless otherwise agreed). The amount of common property is not determined according to the amount of repayment, but determined by both parties through consultation. If there is no negotiation, it will be allocated according to law at 5: 05.