1. Do I have to sign the mortgage when I buy a house?

If you buy a house and the bank mortgages it, you must sign it yourself. From the point of view of the process of mortgage loan, it is difficult to successfully handle this business without the consent of either party. Specifically, the process of house mortgage loan is as follows: First, the borrower needs to find an appraisal agency to evaluate the property value and obtain the real estate assessment Report issued by the appraisal agency. Secondly, both husband and wife were present to submit the above information and sign a real estate mortgage contract. Thirdly, the borrower signs a loan contract with the bank. Fourth, the bank will issue loans after approval. Finally, the borrower repays the loan in installments or at one time, cancels the mortgage of the property and gets back the property certificate.

second, do you need both husband and wife to sign a house loan?

both husband and wife should sign a house loan. Because the debt generated by the house loan belongs to the same debt of husband and wife, it needs to be repaid by both husband and wife, so it needs to be signed and confirmed by both parties. It should be noted that as long as you buy a house by loan after marriage, whether the buyer is a husband and wife or both, you must sign the loan contract for confirmation. According to the latest marriage law, if you buy a house after marriage, except for special provisions, it generally belongs to the husband and wife. Even if only the name of the husband or wife is registered on the real estate license, this does not affect the identification that the house is the same property as the husband and wife. 1. What are the requirements for applying for a house loan? 1. The borrower needs to provide legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport, and purchase the commercial house designated by the bank in this city; 2, the borrower to open a deposit account in the bank, the deposit balance is not less than 3% of the proposed purchase of housing; 3. Submit valid purchase contracts, agreements and other supporting documents to the bank; 4. Agree to mortgage the house property under the house purchase contract; 5. Willing to perform all the terms of the loan contract; 6. Other conditions stipulated by the bank. Second, can there be only one bank for husband and wife loans to buy a house? If a husband and wife buy a house with a loan, it is usually the bank flow of both husband and wife that should be provided to the bank. However, if the bank flow provided by one party can meet the requirements of the bank and show sufficient repayment ability, it is also possible to provide only one person's bank flow. Usually, if both husband and wife have jobs, the bank will often require both husband and wife to provide bank running bills and income certificates; If one party doesn't have a job, the one without a job doesn't need to provide bank running water. Different banks or lending institutions handle mortgage loans, and the relevant regulations will be different. It is recommended to consult the staff of the loan bank or lending institution specifically. In addition, we need to pay attention to the fact that couples buy houses with loans, and banks and lending institutions will check their credit information during the audit. Therefore, if one of the husband and wife has a bad credit and a bad record in the credit report, even if the other person's personal credit is good, it will affect the approval of the loan. According to Article 162 of the Civil Code of the People's Republic of China, the following property acquired by husband and wife during the marriage relationship is the joint property of husband and wife: (1) salary, bonus and labor remuneration; (2) Income from production, operation and investment; (3) Income from intellectual property rights; (4) Inherited or donated property, except as provided for in Item 3 of Article 163 of this Law; (five) other property that should be owned by * * *. Husband and wife have equal rights to dispose of the same property.

Third, does it need to be signed by husband and wife to handle the mortgage?

For married people, mortgage to buy a house needs both husband and wife to be present and sign together. Just write the husband's name, and the man will be the main lender. This is mainly because banks should ensure the repayment ability of loans, and both husband and wife are more secure as the same payers.

fourth, do you need both husband and wife to sign a house after marriage? Do you need husband and wife to apply for a mortgage at the same time? thank you

1. Both husband and wife must be present at the same time.

if this kind of husband and wife * * * * must both come, this is the right law that stipulates whether the property purchased by husband and wife * * * * is owned by * * * * or by * * * * needs to be reflected in the sales contract, and both parties need to be present to sign and confirm. However, if you can't be present, you must also handle related matters and explain clearly.

Second,

Both husband and wife must bring their marriage certificate and household registration books so as to complete the registration. In addition to the fact that the husband and wife need to be present together in the process of handling the property right certificate, when applying for a mortgage, they need to provide both husband and wife's local tax payment certificates or social insurance payment certificates. Otherwise, according to the loan policy for non-local residents, if one of them has a high income and passed the qualification examination and approval, the income certificate of the other party is not required.

third, set the share in advance.

At present, a few couples need to consider the property share. According to the relevant laws and regulations, the owner can choose * * * in the form. If * * * is selected with * * *, the rights and interests enjoyed by both parties are the same. If there are * * *, it needs to be divided in advance and stated in the real estate license. There are also some special circumstances that should be noted.

If you don't understand the policy before and register a house in one party's name, you can also add * * * people. Adding * * people also requires both husband and wife to go to the notary office for a gift notarization and then go through the formalities.

Do you need the signature of both husband and wife to buy a house? What should husband and wife pay attention to when buying a house together? What needs to be reminded here is that there are many prospective couples buying houses together. It is not advisable for the investor to write the name of the other person on the real estate license as a sign of sincerity, which means that he is completely