Couples can only apply for a loan if they buy a house together. But whether it is a one-person loan or a two-person loan, it belongs to the common property of husband and wife. If only one party's name is written on one person's loan property certificate, and there is no clear agreement or agreement, the house also belongs to the same property. The above is related to whether mortgage couples can borrow on their own.

Matters needing attention for husband and wife to borrow money to buy a house

1. When signing the contract, both parties must be present in person. Many couples apply for loans in the name of husband and wife Therefore, banks need to investigate the qualifications of both at the same time and sign when handling relevant procedures;

2. Both principal loans and subprime loans are very particular. Even if the husband and wife jointly borrow money to buy a house, only one party can become the main lender;

3, document preparation, mainly the husband and wife must prepare relevant documents in advance when buying a house, because there are many documents prepared, so be cautious, and the relevant information is no better than documents.

This article is mainly about whether couples can borrow money by themselves. The content is for reference only.

Second, the new marriage law borrows money to buy a house before marriage, and both husband and wife repay it together after marriage. How to divide the property after divorce?

> according to the judicial interpretation (3), personal property before marriage, which is repaid with provident fund after marriage, is profitable, but the man should make economic compensation to the woman. ..

3. Can couples make decoration loans separately?

Of course, the loan is an individual behavior, which can be a joint loan or an independent loan. If a person's loan amount is not enough, consider a joint loan.

Four, husband and wife mortgage, one party is the guarantor of others, can I get a loan?

I don't think so