A car and a house are basically the necessary assets that the mother-in-law requires from the husband before getting married. However, some couples have already had a stable relationship during their relationship. Generally, they will choose to take out a loan to buy a house together first. If the couple is not married, they can take out a loan to buy a house together. ?
1. Can couples who are not married get a loan to buy a house together?
Yes.
Couples who are not married can definitely take out a loan to buy a house together. Moreover, the house bought together before marriage is the joint property of both lovers, and the real estate certificate should also have the legal names of both parties. But it is best to notarize it at the five notary offices, indicating that the house is jointly locked by two people, and each person holds 50% of the property. This will ensure that even if you break up in the future, you can resolve the real estate issues.
And after buying a house with a loan, it is best to discuss the ownership of the house in advance. Because no one can guarantee that the relationship will always be stable. If the relationship changes midway, no one can guarantee that the problem can be resolved peacefully after the breakup.
2. What are the risks of buying a house together before marriage?
The most common disputes caused by buying a house before marriage are after the relationship breaks down. , the distribution of houses is a problem. When two people are in a good relationship, what's yours is mine, and what's mine is yours. I think it would be very hurtful to care too much. When in a relationship, generally the person in whose name the house is registered will own the house.
When we break up, if the house is registered in the man’s name and the woman also contributes money, then when we break up, the house will belong to the man, and the man will have to return the woman’s money. There is a premise here. Even if the woman has sufficient evidence to prove that she paid the entire payment for the house, it will be difficult to obtain protection without evidence.
If the house is registered in the names of two people but the shares are not recorded on the property rights, and the two parties have not otherwise agreed on the shares of the house, the house will be deemed to be jointly owned by one person and half.
If the house is registered in the names of two people, and the house distribution ratio is agreed upon, one party needs to pay the other party’s down payment, and the increased value of the house will be divided according to the capital contribution ratio.
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