Couples can write their names when buying a house. If the husband and wife are not married, and both parties are qualified to buy a house locally, the husband and wife can buy a house together, and they can also write their names when buying a house. In some places, it is stipulated that if a non-husband and wife buy a house together, they need to go to the local notary office to notarize the property rights agreement. At the time of notarization, it is necessary to clarify the share of rights and interests of both husband and wife in this house. Then the couple can sign a house sales contract to buy a house in the name of two people with the notarial certificate.

Precautions for unmarried couples to buy a house

1, and the contribution ratio of both parties is 50/50.

If the unmarried couples jointly contribute, the proportion of contribution is half. In this case, the names of the unmarried couples need to be registered in the real estate license.

2. The investment ratio of both parties is not equal.

If the contribution ratio of both parties is different, although the names of unmarried couples will also be registered on the real estate license, it must be clearly stated that their respective houses have a large proportion of property rights. If only one party contributes, is it necessary to register the name of the other party on the real estate license? If it is registered, what is the share of the party that has not contributed? These also need to be determined and stated in the real estate license.

3, clear the specific rights and obligations

At present, banks are particularly strict in approving personal mortgage loans. Unmarried couples borrow money to buy a house, and one party has a bad record. If they are unable to repay their credit cards, they are not allowed to apply for loans. In the actual operation process, if the two parties who borrow money to buy a house are not spouses, an agreement shall be signed to clarify the loan rights and obligations of both parties. In addition, one party still has to bear the responsibility for the bank. If the feelings are not harmonious in the future, then the lender will bear this huge "foreign debt" alone.

4. It is not recommended to write only the names of non-investors.

In order to show their love and sincerity to their partner, some people will only write the other person's name on the real estate license, which is not desirable, because it means that they have completely given up the ownership of this house. Property before marriage belongs to each other, and will not be converted into joint property of husband and wife due to the continuation of marriage, unless otherwise agreed. If both parties pay for the house purchased before marriage, but only one party has a name, and the other party fails to reflect all the rights of the house in the house purchase contract, real estate license or related documents because of embarrassment or fear of affecting their feelings, then once faced with property division in the future, disputes will inevitably arise, and this party will be in a disadvantageous position where its rights and interests are easily infringed. In practice, the name is written on the house purchase contract, and you can ensure the registration on the certificate when you apply for the real estate license.

5. You can't use provident fund loans.

If there is no marriage loan, we can only buy a new house with commercial loans, not provident fund loans. Because the provident fund loan is a family-based loan, only parents, children and spouses can participate in the loan together, so the husband and wife can not jointly handle the provident fund loan, nor can they participate in helping to repay the loan. Husband and wife did not get a marriage certificate, so they could not withdraw two people's provident fund to repay the mortgage, but only one person's provident fund to repay the mortgage. After the husband and wife are formally married, the other party can withdraw their own provident fund to repay the loan.