Case 1: I want to buy a suite with my girlfriend, but I can't get a loan without getting married.
Pony has been in love with his girlfriend for three years, and now his parents are urging him to buy a house first. Last year, he took a fancy to a small apartment, which belongs to the first suite according to his situation because of the provident fund policy. His monthly contribution to the provident fund is 460 yuan. After consulting, he learned that he could not get a loan of 6.5438+0.2 million yuan, so he wanted to apply for a provident fund loan with his girlfriend, but they failed to pass the approval of the provident fund management center after submitting the information.
Analysis: Pony and girlfriend didn't get a marriage certificate. According to the regulations, unmarried couples cannot apply for provident fund loans together. If two people are married and both parties have paid the provident fund 12 months continuously, they can apply for provident fund loans together after marriage. In this case, Mr. Chen Can applied for a commercial loan to buy a house with his girlfriend. In addition, the relationship before marriage is in an unstable period, and it is not recommended for couples in love to borrow money to buy a house. If they break up in the future, the house will become the biggest room between them &; Ldquo stumbling block & rdquo.
Case 2: Buying a house without marriage requires clear rights and obligations.
Xiaohua also plans to buy a house with her boyfriend who has been in contact for more than two years after the Spring Festival. But because I didn't know how to manage money before, I didn't have a strong sense of repayment. She swiped her credit card several times and left a lot of bad credit records, so the bank didn't approve her loan application. Now I can only borrow money from my boyfriend to buy a house, but my boyfriend's salary is not as good as my own. Xiaohua felt very embarrassed and decided to pay back together.
Analysis: At present, banks are very strict in approving personal mortgage loans. When one party has a bad record, unmarried couples are not allowed to apply for loans, such as maxing out their credit cards and being unable to repay them. In practice, if the two parties who buy a house by loan are not spouses, they should sign an agreement to clarify the loan rights and obligations of both parties. Once one party can't repay or can't afford it, the other party still needs the bank to bear it. If the relationship is not good in the future, then the lender will bear this alone &; Ldquo foreign debt &; rdquo。
Case 3: Having a major lender can relieve some pressure.
Last year, Mr. Liu and his girlfriend just got the certificate and planned to hold a wedding during the Spring Festival. At the end of last year, he finalized a small two-bedroom apartment of10.5 million yuan through an intermediary. He plans to buy a house with his wife's loan. Just after the beginning of the year, Mr. Liu asked around and asked if they could get a loan. They intend to take advantage of the Spring Festival to get a new housing loan and move into a new house as soon as possible.
Analysis: Under normal circumstances, in the bank housing loan contract, only one party is regarded as&; The lender of ldquo, rdquo (usually referred to as the main lender), and regardless of whether the names of both parties are written on the property ownership certificate, the other party can act as&; Ldquo* * * and Lender rdquo. When determining the main lender, we should choose the one with high and stable income between husband and wife and pay attention to the age limit, otherwise it will affect the loan term.
Because Mr. Liu and his girlfriend have already obtained the certificate, they can apply for a loan with their wife. When applying for a loan, they need to provide the bank with their ID cards, household registration books and purchase contracts. When a husband and wife borrow the same loan, they need to determine a main lender first. After the bank successfully approves the loan, they will automatically deduct the money in the repayment account on a monthly basis as needed. Generally, the loan principal is deducted first. When the balance of the main lender is insufficient, the monthly payment of the spouse will be deducted, which can alleviate the monthly payment pressure of the other party to some extent.
Case 4: Changing ideas? Property notarization before marriage does not hurt feelings.
Niu Niu is getting married soon, but there is still a suite in her name, which her parents bought for her a year ago. The best friend suggested that she and her fiance do a pre-marital property notarization. However, Niu Niu feels that it is difficult to say, and she is afraid of affecting the relationship between husband and wife. It is very tangled.
Analysis: Couples should be cautious about buying a house before marriage, and property notarization or signing an agreement is a necessary prerequisite for buying a house together. Before the relationship between husband and wife is determined, you can apply for notarization of pre-marital property or sign an agreement with each other. Premarital property notarization does not affect the relationship between husband and wife as everyone is worried, but it is a feeling of congenial feelings for independent young people. If we can find disputes in time and prove them, we can better avoid future real estate disputes.
(The above answers were published on 20 17-02- 14. Please refer to the actual situation for the current purchase policy. )
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