Buying a house after marriage requires two people to sign a loan. Because the loan to buy a house after marriage generally belongs to the joint debt of husband and wife, which needs the signature of both parties, and the debt generated by the loan to buy a house also belongs to the joint debt of husband and wife. Whether the property buyers are husband and wife or both parties, they must sign a loan contract, and both husband and wife need to repay. If you can't be present, you should also go through the formalities of notarization and make the relevant matters clear.

First, do you need to sign a house loan after marriage?

Both husband and wife need to sign, because this belongs to the same debt of husband and wife. To apply for a house loan, you need to meet the following conditions:

1. The borrower shall provide the legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport to purchase the commercial house designated by the bank in this city;

2. The borrower opens a deposit account in the bank, and the deposit balance is not less than 30% of the house to be purchased;

3. Submit valid purchase contracts, agreements and other supporting documents to the bank;

4. Agree to mortgage the property under the purchase contract;

5. Willing to perform all the terms of the loan contract;

6. Other conditions stipulated by the bank.

2. Must both husband and wife sign the house purchase contract at the same time?

1. If the buyer of the house purchase contract is husband and wife, both parties must sign it at the same time, and then two real estate licenses will be issued. This is called * * * owning * * real estate.

2. If the buyer of the house purchase contract is a husband and wife, then the signature of the buyer is enough, and the signature of the spouse is not required.

3. if you buy a house with a loan, you must sign a loan contract regardless of whether the buyer is a husband and wife or both parties.

3. What is the maximum amount of provident fund and loan for both husband and wife?

The formula for calculating the maximum loanable amount is: the monthly income of the borrower's family (monthly income = the monthly contribution of the employee's individual housing provident fund ÷ the contribution ratio of the employee's housing provident fund), the remaining amount after deducting the monthly living expenses of at least 400 yuan, and then dividing it by the monthly repayment amount of the loan per 10,000 yuan during the loan application period, which is the maximum loanable amount. The following is the maximum amount of provident fund loans for individuals and couples in major cities across the country.

Fourth, the husband and wife * * * use the loan to buy a house to prepare materials

1, ID card (double-sided for 2nd generation)

2. Household registration book: home page, index page and personal page.

3. proof of income: provided by the bank, only need to stamp the unit seal on it.

4. Purchase contract

5, marriage certificate: just take one.

6. Deposit receipt

Do couples need to sign a loan to buy a house together?

When signing a sales contract, both husband and wife may not sign it, but when applying for a loan, both husband and wife need to be present and provide a marriage certificate, and both husband and wife must sign it. It is to prevent some * * * people from disposing of * * * property without authorization during the existence of the relationship between husband and wife.

Articles 17 and 19 of the Marriage Law stipulate that 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. Paragraph 2 of Article 78 of the General Principles of Civil Law stipulates: "* * * and * * * have rights and obligations to the property owned by * * *."

Conditional program

People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

Extended data

Conditions for applying for provident fund loans to buy a house

According to the Regulations on the Administration of Housing Provident Fund, the conditions for citizens to apply for provident fund loans are as follows:

First of all, the housing purchased by the applicant must be self-occupied, have a permanent residence in this city or a valid identity document, and have paid the housing provident fund normally for six consecutive months before applying for a loan.

Secondly, the applicant has a stable economic income and no bad credit record. The first suite must pay a down payment of 30% of the house price, and the house below 90 square meters can pay a down payment of 20%. He has the ability to repay the loan according to the regulations. He must also have proof of housing registration information issued by the housing security bureau of the place where the provident fund is paid and the place where the house is purchased.

Finally, the guarantor recognized by the customer provides phased guarantee before the house mortgage takes effect, and the purchased house is used as mortgage. Of course, the buyers who apply for housing provident fund loans are temporarily limited to parents and adult immediate children.