A house purchase loan requires the signature of both spouses. Because the debt incurred by the house purchase loan is also a joint debt of the husband and wife, it needs to be repaid by the husband and wife together, so both parties need to sign for confirmation. It should be noted that as long as you take a loan to buy a house after marriage, no matter whether the buyer is one spouse or both spouses, they must sign and confirm the loan contract.

According to the latest marriage law, if a house is purchased after marriage, unless there are special provisions, it is generally the property of the husband and wife. Even if only the name of the husband or wife is registered on the real estate certificate, this does not affect the determination that the house is the joint property of the husband and wife.

1. What conditions need to be met to apply for a home purchase loan?

1. The borrower needs to provide a legal household registration book (not limited to this city), ID card or business license, legal representative certificate or legal residence permit, and passport to purchase commercial housing from a bank-designated developer in this city. ;

2. The borrower must open a special deposit account in the bank, and the deposit balance should not be less than 30% of the payment for the proposed house;

3. Submit a valid house purchase contract to the bank , agreement and other supporting documents;

4. Agree to use the property under the house purchase contract as mortgage;

5. Willing to fulfill all the terms of the loan contract;

2. Is it okay for a couple to have only one bank statement to buy a house?

If a couple takes out the same loan to buy a house, usually the bank statements of both husband and wife must be provided to the bank. However, if the bank statements provided by one party can meet the bank's requirements and reflect sufficient repayment ability, then it is okay to provide only one person's bank statements.

Normally, if both husband and wife work, the bank will often require both husband and wife to provide bank statements and proof of income; if one party does not have a job, the non-working party will No bank statements are required.

The relevant regulations will vary depending on the bank or lending institution that handles housing loans. It is recommended to consult the staff of the lending bank or lending institution for details.

In addition, everyone needs to note that if a couple takes out a loan to buy a house, banks and lending institutions will check the credit reports of both people during the review. Therefore, if one spouse has bad credit and has bad records on the credit report, no matter how good the other spouse's personal credit is, it will affect the loan approval.

Legal Basis

"People's Republic of China and Civil Code"

Article 1062: The following income earned by husband and wife during the marriage relationship shall be: Property is the joint property of husband and wife and belongs to both husband and wife jointly:

(1) Wages, bonuses, and remuneration for labor services;

(2) Production, business, Income from investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except for those specified in Paragraph 3 of Article 1063 of this Law. Except as specified;

(5) Other property that shall belong to the consortium.

Husband and wife have equal rights to handle the same property.