Do two people have 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.
Must both husband and wife sign a 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.
Must I write my husband and wife's name when buying a house under the new regulations?
The law does not stipulate that the names of both husband and wife must be written when buying and selling. If you buy a house in full, you can write the names of both parties on the real estate license. If you buy a house by loan, you can only write the name of the lender, but it does not affect the determination that the house is the joint property of husband and wife.
1. The Civil Code stipulates that only one person's name belongs to the same property when buying a house after marriage:
(1) House bought together with real estate (mortgage to buy a house) If there is no special agreement between husband and wife, only one person's name is written on the property certificate, which is regarded as the joint property of husband and wife.
(2) If the property right of the house purchased by both parents is registered in the name of one parent's child, it shall be owned by both parents according to the share ratio of * * *, unless otherwise agreed by the husband and wife.
2. The Civil Code stipulates that only one person's name is written when buying a house after marriage, which does not belong to the same property:
(1) The house (lump sum payment) paid by parents for their children after marriage is written in the children's name and regarded as a gift from parents and personal property.
(2) One party's purchase (one-time payment) of a house with only his name written on the title certificate after marriage is regarded as personal property.