Under normal circumstances, loans to buy a house still require both parties to repay their debts. If only one party agrees to repay the debt at the time of divorce, the other party no longer needs to bear the mortgage to repay the debt. However, if the lender is unable to repay the loan, the other party will be taken back by the bank after the divorce, but it can be taken back from the lender after the loan is paid off. Therefore, in order to avoid this situation, it is suggested to apply for refinancing after divorce, and directly convert the same loan into a personal loan, so that the other party who has not obtained property rights is not affected by the mortgage. If the bank agrees to refinance, it needs to re-sign the mortgage contract of housing loan after changing the lender, and the remaining loan principal and interest will be re-agreed according to the new contract.

Do you need both husband and wife to buy a house loan?

1, both husband and wife should go through the loan formalities at the scene, because if the buyer and seller on the house purchase contract are husband and wife at the time of house purchase, then two people must be present to sign at the same time, and the names of both husband and wife will be on the property ownership certificate to be handled later, which is called * * * having a property.

2, and if you buy a house, the house purchase agreement only writes the name of one party, whose name is written on it, who signs it, and the other party does not need to sign it. However, the loan to buy a house requires both husband and wife or two people to sign a loan contract.

3. In the whole process of buying a house, both husband and wife need to be present at the same time to sign a contract or apply for mortgage and handle the transaction transfer procedures. According to the provisions of the Civil Code, whether the house purchased by both husband and wife is owned by * * * or owned by * * * will be reflected in the contract, and it also needs to be indicated in the property ownership certificate. At that time, both parties should be present to sign for confirmation. If there is no way to be present, you can go through the entrustment formalities.