You can write two names. Go to the bank to go through the mortgage change procedures first (please consult the bank for details). Fee for adding the name of the real estate license: in addition to the handling fee of 1 10 yuan, if the loan is a pure provident fund, an additional handling fee of 100 yuan is required; If the loan is in the form of portfolio loan (provident fund commercial loan), it shall be paid separately to 200 yuan.

Do I need to sign the loan after marriage?

Buying a house after marriage requires two people to sign a loan. Because the loan for buying a house after marriage generally belongs to the joint debt of husband and wife, both parties need to sign it, and the debt generated by the loan for buying a house also belongs to the joint debt of husband and wife. Whether the buyer is a husband and wife or both parties, they must sign a loan contract, which requires the husband and wife to repay together. If you can't be present, you must also go through notarization and entrustment procedures and explain the relevant matters clearly.

First, do I have to sign a housing loan after I get married?

Both husband and wife need to sign, because this is a joint debt of husband and wife. To apply for a housing 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, and 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, then both parties must sign it at the same time, and there will be two real estate licenses in the future. It's called joint real estate.

2. If the buyer of the house purchase contract is a husband and wife, then the signature of the buyer is enough, without the signature of the spouse.

If you buy a house by loan, you must sign a loan contract, whether the buyer is husband and wife or both parties.

3. What is the maximum amount of common provident fund loans 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 balance 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, husband and wife jointly borrow money to buy a house.

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. down payment receipt

Is it necessary for both parties to get married and buy a house?

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Nowadays, most people will buy a house after marriage. If they buy a house together after marriage, it belongs to the joint property after marriage. Therefore, there are many things that need attention, and both sides must attach great importance to them. Then, do you have to attend the house together when you buy a house after marriage? What should couples pay attention to when buying a house after marriage? Next, let's take a look at the relevant knowledge.

First, do both husband and wife need to be present to buy a house?

If the buyer written in the purchase contract is both husband and wife, then both husband and wife must be present and sign at the same time when buying a house, and two real estate licenses will be issued in the future, which is the so-called joint property of husband and wife; However, if the buyer of the house purchase contract is one of the husband and wife, then only the buyer needs to sign, and both husband and wife are not required to be present. If the house is purchased through a loan, both the buyer and the husband and wife need to be present and sign the contract.

Second, matters needing attention for couples to buy a house after marriage

1. Both parties were present to sign the contract.

If you buy a house together after marriage, both husband and wife need to sign a contract at the scene and go through the transfer formalities in the real estate transaction. Because in the later stage, it will involve how to divide the real estate and how to obtain the qualification of two-person loan.

2. The choice of primary and secondary lenders should be reasonable.

Many families buy houses through loans, so both husband and wife should distinguish between first-class lenders and second-class lenders. You need to combine your own actual situation, not necessarily according to your income level. Generally, the main lender will choose the party with higher and stable income as the main lender, but at the same time, it should pay attention to the age limit, otherwise it will affect the loan term.

3. Set the share of real estate in advance.

When buying a house, how much share of the house will be involved. Therefore, in order to avoid future disputes, it is necessary to determine the share of housing before buying a house. If anything happens in the future marriage, it can be divided according to the share of the house in the contract.

The conclusion of the article: the related issues about husband and wife buying a house together are introduced here for everyone. Generally, when both husband and wife buy a house, both parties still need to be present. It is not a trivial matter for both husband and wife to buy a house together, so everyone must participate in the whole process.

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Can a husband and wife get a loan when they buy a house? Do couples have to be together to buy a house?

To put it simply, as long as the house is bought during the marriage period, whether it is a one-person loan or a joint loan between husband and wife, it belongs to the joint property after marriage. If there are special circumstances, if one spouse buys a house and the other borrows money, it needs to be clearly agreed by both spouses. It is better to have a paper contract for this agreement.

To put it simply, as long as the house is bought during the marriage period, whether it is a one-person loan or a joint loan between husband and wife, it belongs to the joint property after marriage. If there are special circumstances, if one spouse buys a house and the other borrows money, it needs to be clearly agreed by both spouses. The agreement still has a paper contract. Buying a house doesn't have to be husband and wife, it depends on the agreement of two people. There is no agreement, legally it is the joint property of husband and wife.

Can a husband and wife get a loan when they buy a house?

1. The house purchased by husband and wife during their marriage, but there is no explicit agreement between husband and wife, and only one person's name is written on the real estate license, which should be regarded as the joint property of husband and wife. Therefore, even if one person borrows money to buy a house without explicit agreement, it is also the joint property after marriage and will be divided together in the future.

In this way, if you want to borrow money to buy a house after marriage, it is personal property, then both husband and wife should reach an agreement on the ownership of the property, and there will be no disputes over the property in the future. If necessary, you can write an agreement for notarization.

In addition, you can entrust your parents to buy real estate for your children after marriage. If the property right is registered in the name of the investor's children, according to the provisions of the Marriage Law, it can be regarded as a gift to only one of your children, and the property should be recognized as the personal property of the husband and wife. In other words, parents can buy a house at their own expense, and they make it clear that the house is only for one person, and the gift behavior is clearly notarized.

Do couples have to be together to buy a house?

We all know the house purchased by husband and wife during marriage, but if there is no clear agreement between husband and wife, only one party's name will be on the property certificate, which is the joint property of husband and wife, so even if a person borrows money to buy a house without a clear agreement, it is also the joint property after marriage. If you want to buy a house by yourself, then if you want to buy a house by yourself after you get married and want the property to belong to an individual, there are two ways:

1. Both husband and wife reach an agreement on property ownership. In order to consider each other's interests and avoid property disputes, an agreement must be written for notarization. Only when both parties are present will the notarization agreement come into effect. In addition, all repayment vouchers should be kept.

2. Property that can be purchased by parents for their children after marriage. If the property right is registered in the name of the investor's children, according to the provisions of the Marriage Law, it can be regarded as a gift to only one of their children. And they made it clear that the house is only for one person, and it must be clearly given by notarization.

To sum up, if there is no clear agreement between husband and wife, then the property generated during marriage belongs to the joint property of husband and wife, which is also a guarantee for marriage. If the husband and wife agree, then there is a clear written agreement, which has legal benefits. Therefore, couples can borrow money from one person when buying a house, which does not mean that they must be together when buying a house, but that there is no clear agreement that the property purchased within marriage belongs to common property in law.