Yes.

One person can take out a loan to buy a house after marriage. However, if one person takes out a loan to buy a house after marriage, if there is no clear agreement between the husband and wife, even if only one of them has the name written on the property certificate, the house will be regarded as Husband and wife share the same property. Therefore, if one person wants to take out a loan to buy a house after marriage, and the house only belongs to one's private property, the property rights need to be divided, and the process of buying a house will be more complicated. If a house is purchased during the marriage of a couple, but there is no explicit agreement between the couple, and only one of them has their name written on the property certificate, it should be deemed to be the joint property of the couple. Therefore, even if one person buys the house with a loan, there is no need to go through the process. The clear agreement also means that the property will be divided jointly after marriage. If it is divided in the future, it will still be divided jointly. In this way, if you want to take out a loan to buy a house after marriage, it is considered personal property, so both husband and wife must agree on the ownership of the property, so that there will be no disputes over the property in the future. If necessary, they can write an agreement and have it notarized.

Things to note when buying a house with a personal loan

1. Reason for borrowing: During the process of applying for a loan, the borrower should be honest and clear about the reason for the loan, and write down the purpose of the loan and personal details in detail. Advantages in loan repayment. For example, a good personal credit record.

2. Borrowing amount: The amount of the loan the borrower applies for at the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what the lender wants. They are sure You don’t want your loan funds to be disbursed within half a month. If the loan applied for by the lender is relatively large, it is recommended that you reduce the loan amount appropriately, so that your chances of passing the bank's review will be greatly increased.

3. Loan description: Fill in the application information in detail, including the purpose of the loan, personal credit record, source of income, repayment ability, family income, etc. To ensure that your loan can be repaid on time no matter when, where or what the situation is.

4. Loan repayment: After the borrower successfully applies for a loan, he must repay the loan within the specified time. Do not take chances and delay the repayment time, thereby causing a bad personal credit record. In addition, relevant departments will also make every effort to recover loans that are in arrears.

Legal Basis

"People's Republic of China and Civil Code"

Article 1087: When divorced, the husband and wife share the same property When dealing with divorce, the spouses' separate property shall be handled by agreement between the two parties; if the agreement cannot be reached, the People's Court shall make a judgment based on the specific circumstances of the property and in accordance with the principle of taking into account the rights and interests of the children, the woman and the non-fault party. The rights and interests enjoyed by husband or wife in family land contract management shall be protected in accordance with the law.

Article 1,089: The husband and wife must repay the same debts at the time of divorce. When the couple divorces, the debts of the husband and wife must be repaid together. If the property of the two parties is insufficient to repay or the property belongs to each other, the two parties shall agree to repay the repayment; if the agreement fails, the People's Court shall make a judgment.