The bank stipulates that a mortgage application must be presented. If you are unmarried, you don't need to provide couples with double related materials.
2. Can I get married and buy a car by mortgage?
can
After marriage, either spouse can apply for a car loan as the main lender in his own name. However, the main body of applying for car loan after marriage is the family, and both husband and wife will be required to be present when applying for car loan. Moreover, lending institutions will inquire about the credit information of both husband and wife. This debt belongs to the husband and wife, and the approval record and loan record of the car loan will appear in the credit information of both husband and wife.
Therefore, as long as one spouse has a bad credit report, it will not be able to pass the car loan review.
3. Can a married couple apply for a mortgage unilaterally?
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4. Can a husband and wife buy a house loan alone after marriage?
Can a husband and wife buy a house loan alone after marriage? Yes
We separate the housing sales contract from the bank mortgage loan contract (also called the individual housing mortgage loan contract), and analyze it step by step, which will be clear at a glance. First, the buyer and the seller sign a house sale contract, and then the buyer signs a bank mortgage loan contract with the bank.
The contents of the bank mortgage loan contract and the general process of its performance are as follows: the buyer applies to the bank for a loan other than the down payment. After the approval of the bank, the loan amount applied by the buyer will be paid directly to the seller, and the property mortgage formalities will be handled at the same time. The buyer shall fulfill the repayment obligation in accordance with the contract. Look at the content of the house sales contract and the general process of performance. The buyer and the seller sign the house sales contract and agree on the payment method: the buyer pays down and the rest applies for a bank mortgage loan. Therefore, when the bank pays the mortgage loan to the seller, the buyer's obligations are fulfilled (that is, the house payment is paid in full).
Therefore, from the date when the house is registered in the housing management department, the ownership of the house has been determined, that is, it belongs to the buyer. On this basis, the unmarried property of the buyer is personal property, and the married property of the buyer is husband and wife (no agreement). At this time, the house sales contract has been fulfilled and repaid, but the bank mortgage loan contract will continue to fulfill the repayment obligation, which is the legal relationship of debt. Then, if the buyer is still performing the bank mortgage loan contract after marriage, there may even be cases where the same property is used to repay the pre-marital debt after marriage. Therefore, in case of divorce, the part paid by debt should be compensated to the other party of the marriage.
Can I get a loan by writing only one person's name when I buy a house after marriage? No, the property after marriage belongs to the husband and wife, and both husband and wife must be present when signing the contract.
Can you buy a house by unilateral loan after marriage? Yes
The basic process of mortgage loan is as follows:
On-the-spot house inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the houses applying for mortgage loans to conduct on-the-spot house inspection;
Property right verification; The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through the relevant formalities;
Signing: the bank carefully checks and verifies the original information of customers, authenticates the authenticity of all the signatories, supervises the signature of customers, collects the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;
Fill in the contract: the bank sorts out the information and fills in the contract according to the relevant information provided by the customer;
Payment obligation: after the bank has passed the pre-examination, notify the customer to pay the fee;
Transfer of property rights: the buyer and the seller go through the formalities of property rights transfer with the help of the Housing Authority; The Lender prepares relevant materials to go through the mortgage formalities at the bank;
Bank loan.
Can I borrow money to buy a house after marriage? Yes, as long as your qualifications meet the conditions of loan. Preparation materials for real estate mortgage: 1. Identity card; 2. Marriage certificate; 3. Real estate license (big red); 4. proof of income; 5. Banks are flowing.
After getting married and buying a house, can I borrow money in my own name? Yes Conditions for applying for loan business:1natural person aged 8 to 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Other conditions stipulated by the bank.
Can husband and wife each borrow a house? Yes As long as you can provide proof of income and prove that you can repay the loan, you can handle it.
Can a husband and wife borrow money to buy a house with one person's credit information?
No, both husband and wife are the same borrower.
Therefore, the credit information of two people must be
After the marriage, a person's name was written on the sub-contract of the loan to buy a house, but the loan was not done. Can you add his wife's name? 1. You can write two names in the house purchase contract. Now some places have changed when property rights are registered. There are two property owners in the house purchase registration. Earlier, the name of another person was written in the column "* * * someone". You can consult the local real estate bureau for specific regulations. The name on the purchase contract can be changed. (Before submitting to the property right department). Just confirm the names of several people before handling the property right certificate. In your case, you can do property justice. If you are afraid of hurting each other's feelings, you can reflect the rights of two people in the real estate license, or indicate their respective shares in the agreement.
Can couples sign a loan to buy a house? One person applies for a loan, and one person can sign it. If two people apply, both need to sign.
Couples use marriage certificates for loans. Can they go alone? It is best to consult the local bank for loans. When a borrower applies for a personal loan from a bank, he/she needs to fill in the application form in writing and submit the following materials: 1, and his/her valid identity certificate; 2. Proof of residential address (household registration book, etc. ); 3. Personal professional certificate; 4. Proof of income of the loan applicant and his family members; 5. Other information stipulated by the bank.