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Two people who do not have a marriage certificate cannot use the housing provident fund of both parties to buy a house, and can only use one person's housing provident fund. Provident Fund loan conditions: 1. In-service employees with full civil capacity and full payment of housing provident fund; 2. Continuously and normally paid the housing provident fund for more than 12 months; 3. Purchase or build self-occupied housing within the administrative area, and have paid off the purchase price above the prescribed down payment ratio; 4. Good personal credit, stable economic income and ability to repay loan principal and interest; 5. Agree to use the purchased housing as collateral for the loan, or provide a guarantee approved by the management center.
Housing provident fund loan refers to the housing mortgage loan issued by the local housing provident fund management center to the in-service employees who have paid the housing provident fund and the retired employees who have paid the housing provident fund during their employment by using the housing provident fund paid by the employees with their units. Housing provident fund refers to the long-term housing savings fund paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by the employees and the housing provident fund paid by the units where the employees belong for the employees are the personal savings funds that are stored by the employees in accordance with the regulations for housing consumption expenditures, and belong to the individual employees.
When the employee retires, the balance of principal and interest shall be paid in a lump sum and returned to the employee himself.
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Yes, but only one person's name can be written on the real estate certificate, that is, there is only one main applicant, whether you are married or unmarried, but there can be many co-ownership certificates, and whether you are married or unmarried, as long as you write your and your girlfriend's names on the house sale contract.
So you can buy a house for two.
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Don't be like this, a temporary tacit understanding does not mean that it is an eternal feeling, once there is a change, there will be endless troubles.
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Legal analysis: If you and your girlfriend do not get a marriage certificate, you can't call them husband and wife, and now you are ready to pay a down payment together to repay the loan and buy a house, and the names of the two people can be written on the real estate certificate. However, since the purchase of a house is in the form of a loan, and the lender of the bank can only be one of you or your girlfriend, the name that appears when signing the contract can only be you or your girlfriend.
It is recommended to negotiate with the developer, and make it clear that there are two buyers in the purchase contract, or you can go to the notary office to do a notarization of the property owned by two people.
Legal basis: Article 1063 of the Civil Code The following property is the personal property of one of the husband and wife:
1) the pre-marital property of one of the parties;
2) Compensation or compensation received by one party for personal injury;
3) Property that is determined in a will or gift contract to belong to only one party;
4) Daily necessities for the exclusive use of one side;
5) Other property that shall belong to one side.
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Legal analysis: Unmarried can buy a house together, generally need to conclude a contract, and meet the requirements of the actor has the corresponding civil capacity, the expression of intention is true, and does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.
Legal basis: Article 143 of the Civil Code of the People's Republic of China Civil juristic acts that meet the following conditions are valid:
1) The perpetrator has the corresponding capacity for civil conduct;
2) The meaning is genuine;
3) Do not violate the mandatory provisions of laws and administrative regulations, and do not violate public order and good customs.
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Fiancés can buy a house together, and the title deed can have both people's names written on it. According to the proportion of the capital contribution of two people, the share of each house is determined, and the real estate certificate of the house purchased in this way is called the house co-ownership certificate.
Buying a house together before marriage may face hidden dangers.
1. It is possible that when the two parties buy a house, it is the period of love between the two parties before marriage, so it is definitely not accounting for the distribution of the house, but once the relationship breaks down in the future, the distribution of the house will become the focus of the dispute between the two parties.
2.If the property title certificate is registered in the man's name when buying a house before marriage, but the woman also has a contribution, then, after the parties break up, the man can continue to own the house, but the amount contributed by the woman must be returned.
3.If the names of both parties are registered when buying a house before marriage, but the distribution of the property rights share has not been completed, in this case, the house belongs to your joint property, and each person should share 50% of the good amount.
4.If the property ownership certificate is registered in the names of both parties when buying a house before marriage, and the proportion of the house distribution is agreed, then when the parties break up, one party needs to pay the corresponding fee to the other party, and the part of the house appreciation should be distributed according to the proportion of capital contribution.
What should unmarried men and women pay attention to when buying a house together.
1. The signature of the real estate certificate needs to be considered.
Whether it is buying a new house or a house in Erhuai, the names of both men and women can be reflected on the real estate certificate, but the two must discuss the specific share ratio in advance. When the names of the two owners appear on the real estate certificate, the property rights shall be divided into large and small property rights, and both parties may enjoy rights or assume obligations for the common property according to their respective shares.
2. It is necessary to sign the agreement and notarize the property.
Boyfriends and girlfriends need to be cautious when buying a house, and some necessary property notarization and agreement signing work are necessary. Remember not to get carried away by the stability and sweetness in front of you, the future is unpredictable, so adding a legal guarantee before the promise of love will be stronger. Before the relationship between the couple is formal, it is recommended to apply for the signing of the agreement, so that in case there is a dispute later, the evidence can be found in time.
3. The agreement clarifies the loan obligations and rights of both parties.
Nowadays, there is a lot of pressure to buy a house, and many young people choose to take out a loan to buy a house. If an unmarried couple wants to take out a loan to buy a house, they need to sign an agreement to clarify the loan obligations and rights of both parties, and if one party fails to repay the loan, the other party still needs to bear the burden to the bank.
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Legal analysis: two people who are not married can buy a house together. If both parties jointly sign the purchase contract, the names of the two persons can be registered on the real estate certificate. Only one person's name can be written in the property owner column, and there is no limit to the number of co-owners in the column, and the property can be recognized as jointly owned by both parties.
Legal basis: Civil Code of the People's Republic of China
Article 1046:Marriage shall be completely voluntary between a man and a woman, and neither party shall be allowed to coerce the other, nor shall any organization or individual interfere with it.
Article 1047:The age of marriage shall not be earlier than 22 years for men and 20 years old for women.
Article 1048:Marriage is prohibited for lineal blood relatives or collateral blood relatives within three generations.
Article 1049 A man and a woman who wish to marry shall apply for marriage registration in person at the marriage registration authority. Where the provisions of this Law are met, they shall be registered and a marriage certificate shall be issued. The marriage relationship is established after the marriage is registered. Where marriage registration has not been completed, the registration shall be re-registered.
Article 1050:After marriage is registered, the woman may become a member of the man's family, and the man may become a member of the woman's family, in accordance with the agreement between the man and the woman.
Article 1051 Marriage shall be null and void under any of the following circumstances:
a) bigamy; 2) Have a family relationship that prohibits marriage;
3) They have not reached the legal age for marriage.
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Summary. It is possible to buy a house together, but if it is used as a joint property, the consent of the other half is required.
If a person is married, can he buy a house with an unmarried person?
I'm unmarried, I bought a house, and the title deed wanted to write my name and the other party's name The other party is married.
It is possible to buy a house together, but if it is used as a joint property, the consent of the other half is required.
If the other party's name is written, the house is not necessarily subject to the consent of the other party's significant other.
No, it's to write your name and give you a house.
The consent of the other half is required.
If you write your name, you will be gifted the other half of the house.
The house is not the joint property of the other party and her significant other.
Yes. I'm single and I want to write my name and my friend's name, but my friend is married.
Who pays for this house?
Write my name and my friend's name Is it okay for me to pay for it.
Yes, that's your gift to him.
He agrees and that's it.
Then it does not require the consent of the other party's husband, and it does not belong to the joint property of the other party and the other party.
Yes. But you need to notarize it.
It's a personal gift to your friend.
If there is no agreement, it is considered joint property.
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