Legal analysis: buying a house by loan has little to do with getting married. As long as it meets the loan conditions, it is necessary to provide relevant information to prove that it has repayment ability. As long as it has repayment ability, the information is complete. There are three kinds of loans: mortgage loans, credit loans and secured loans. Even if you are not married, you can apply for this kind of loan. However, if there is no property mortgage or guarantor, credit loans are generally used.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1046 Marriage shall be voluntary by both men and women, and it is forbidden for either party to force the other, and no organization or individual may interfere.

Article 1047 The age of marriage shall not be earlier than 22 for men and 20 for women.

1048th lineal blood relatives or collateral blood relatives within three generations are prohibited from getting married.

Article 1049 If both men and women want to get married, they should apply for marriage registration in person at the marriage registration office. Those who meet the requirements of this law shall be registered and issued a marriage certificate. The marriage relationship is established when the marriage registration is completed. Those who have not registered for marriage shall re-register.

Article 1050: After a registered marriage, a woman can become a member of the man's family and a man can become a member of the woman's family according to the agreement of both men and women.

Article 105 1 The marriage is invalid in any of the following circumstances:

(1) Bigamy;

(2) Having a family relationship that prohibits marriage;

(three) did not reach the legal age for marriage.

Second, can you buy a house with a mortgage without getting married?

First, if you are not married, you can get a mortgage loan and meet the following conditions:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. The appraised value of the bank or the real estate appraisal agency entrusted by the bank with the assets recognized by the bank as the mortgage or pledge, or the unit or individual with sufficient compensation capacity as the guarantor to repay the loan principal and interest and bear joint and several liabilities;

6. Meet other conditions stipulated by the bank.

Second, the mortgage loan process:

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If buyers want to get mortgage services, they choose the content of the property. In the introduction, buyers widely indicated that some projects can apply for mortgage loans, but it should be further confirmed whether the real estate developed and built by developers has been approved by banks.

(2) loan application

After confirming that the selected property has bank mortgage support, buyers should understand the bank's regulations on mortgage loan support for buyers, prepare relevant legal documents and fill in the mortgage loan application form.

(3) sign a house purchase contract

We received the legal documents related to the mortgage application submitted by the buyer, and confirmed that the buyer met the mortgage loan notice or mortgage loan commitment letter after examination. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

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After signing the purchase contract, the purchaser shall specify the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan in accordance with the building mortgage loan contract stipulated by the bank.

(5) Mortgage registration and insurance.

The mortgage door of the house buyer's mortgage loan contract goes through the mortgage registration formalities. In the case of auction, the mortgage loan should be changed after completion, and the cycle is longer. In order to prevent loan risks, banks require buyers to apply for personal and property insurance. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. Before paying off the principal and interest of the loan, the insurance policy

(6) Open a special repayment account

When a property buyer signs a "building mortgage loan", he opens a power of attorney in a financial institution designated by the bank, authorizing the institution to pay the mortgage from the bank account.

Three advantages of mortgage loan:

1. Spend tomorrow's money to round today's dream.

Mortgage is a loan, that is, borrowing money from the bank to buy a house. So, you don't have to spend a lot of money immediately to reveal the first advantage of buying a house: you can buy a house with less money.

2. Use limited funds for multiple investments.

From the perspective of investment, we should flexibly use mortgage to buy a house and rent it, so as to rent and support the loan, and then invest.

3. Bank check

Borrowing money means borrowing money from banks, which naturally care about the quality of real estate projects. In addition to auditing the borrower itself, the bank will also audit the developer for the borrower and check for the borrower, which is naturally highly insured.

3. Can I go to mortgage to buy a house without marriage?

Conditions for applying for individual housing provident fund loans:

1. The housing provident fund must be paid normally for more than one year, and the housing provident fund has not been withdrawn within one year before applying for a loan;

2, in the city to buy urban self-occupied housing, and there is a purchase contract according to law;

3. When employees apply for housing loans, they must have paid more than 30% of the house price in advance;

4. The borrower agrees to use the purchased house as the mortgage of the loan and handle the loan notarization procedures;

5. The borrower has a stable occupation, economic income and the ability to repay the loan principal and interest;

6. Other conditions stipulated by the management center.

Information to be provided when applying for individual housing provident fund loans:

1, 4 originals of the house purchase contract;

2. 3 originals and photocopies of the down payment receipt and 2 originals and photocopies of the bank payment voucher;

3. The original and photocopy of the household registration book, ID card and marriage certificate of the borrower and spouse;

4. The savings passbook opened by the applicant in the loan undertaking bank and its copy1;

5. 1 letter of guarantee (provided as required);

6, housing mortgage registration and notarization procedures;

7, housing provident fund management center need other information.

Can I apply for a mortgage loan for my own house?

You can apply for a mortgage loan with a real estate license. The conditions for the second mortgage of real estate are: 1. The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential; 2. The house used for personal housing in the second mortgage must be an existing house; 3. The house is a first-hand house purchased by a bank mortgage loan; 4. The mortgage registration of the house has been completed, and our bank is the mortgagee of the house; 5. The house has been insured, and the original policy is managed by China Bank; 6. The house has excellent location, convenient transportation, complete facilities and great appreciation potential. Information required for handling the second mortgage of the house: 1. Personal identification, including the original and photocopy of household registration book, ID card and marriage certificate. 2. proof of income. 3. Property certificate, purchase agreement and purchase invoice. 4. Bank loan contract and monthly repayment plan. If it has been settled, provide proof of settlement. 5. Foreigners need to provide the original temporary residence permit. 6. Bring the instructions. Procedures for handling two mortgages of houses: 1. With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a purchase contract or letter of intent; 2. Apply for a loan from the bank and submit relevant materials; 3. After the bank conducts credit investigation and review on the borrower, it will inform the borrower of the review results. If the bank agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a supplementary contract for housing mortgage loan with the seller, and the seller will pay off the difference between the loan amount and the loan principal and interest owed by the seller; 4. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller; 5. After obtaining the land and house property right certificate, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank; 6. The borrower repays the loan on schedule.