Why don t you write the names of the husband and wife on the title deed? What are the pros and cons?

A house is an indispensable part of life, so when you get married, it's okay to add the names of both people to the title deed. But once divorced, the ownership of the house is disputed, if you want to buy a suite, and the current policy conflicts, for unnecessary trouble, it is also recommended that the real estate deed is best not to write the names of two people, the reason is very simple.

In the case of most cities with limited purchase policies, whether locally or externally, as long as you buy a house or mortgage, you will not pay it back. If the house is not sold, it will be two more sets to buy, and the house bought by the husband and wife with a loan will be sold, and two more sets will be counted. Since both parties have a loan history, a fake divorce can be counted as a second home.

A couple buying together, whether it's a full purchase or a loan purchase, counts as two sets.

Take, for example, a couple wants a divorce and the man has a house, but the mortgage has not been paid off with the wife's name written on it. A down payment of at least 30% for the first home and 60% for the second home. Therefore, you can't enjoy the preferential policy for the first home.

Take a look at the regulations on the second house, one party has taken out a loan to buy a house before marriage, and after marriage applies for a loan to buy a house in the name of the other party, although the husband and wife have not been together after marriage, they have registered their marriage at the Civil Affairs Bureau. In addition to requiring the borrower to provide the household registration book, the bank can also require the borrower to provide proof of marital status when approving the loan, and the married couple cannot provide a single certificate, so when the other party buys the house again, it can also be counted as a second home. As long as the mortgage record can be found in the central bank's credit system, even if the property is awarded to one party after the divorce, the other party will be considered a second home.

As a result, many attempts to circumvent the new second-home policy through "fake divorce" have failed.

In the eyes of many people, it is a normal phenomenon to write the names of husband and wife on the real estate certificate, especially some couples who jointly contribute and repay the loan to buy a house. In general, although the house is important, it is better not to write the names of two people, because the follow-up problems will be troublesome. Everyone has a different idea, and it's best for couples to discuss it together.

I think the first advantage is that it may not be so troublesome when you divorce or have a property entanglement, and the second is that it may make the person who bought the house feel more worthwhile, because after all, he spent money, but he has to write someone else's name, which will make him feel unbalanced in his heart, but the disadvantage is that it will make the other party feel that you don't pay enough attention to him and don't treat him as a family.

If the names of the husband and wife are written on the real estate certificate, the first house of the husband and wife is gone, and they need to pay a high property tax when they want to buy another house in the future.

The advantage is that if you divorce after getting married, both parties will share half of the property, and you will also have a sense of security. The disadvantage is that in the process of doing things, two people need to be present, which will lead to low efficiency and some property disputes.

The main thing is to write the names of the husband and wife on the real estate certificate, and there will be these two major difficulties:

1. It is difficult to buy a second home.

If the title deed is written in the joint name of the husband and wife, then it means that both people bear the same responsibility. Whether it's a loan or whatever, it needs to be repaid by both people. And with the implementation of the national purchase restriction order, after the issuance of a series of policies that houses are used to live instead of speculate, it means that the state will have stricter requirements for the qualifications to buy houses.

If the state has strict requirements for the qualifications to buy a house, it will be difficult for more and more couples to buy a second home. After all, the husband and wife have already written their names when they are in a suite, which is equivalent to restricting the qualifications of the two to buy a house. Then the first loan policy of both parties has been exhausted, and it will naturally become more and more difficult to buy a second property.

If only one of them is written in his name, it means that the other party still has the right to use the right to buy a house, so when they want to subscribe for a second house, they can choose each other's name to subscribe.

2. It is difficult to divide property.

If the names of two people are written on the real estate certificate, it will not be easy to divide the property between the husband and wife after the divorce. Mainly according to the current conditions, most couples buy a new house, most of them are the man who makes a down payment, and then the woman pays the loan every month. In this case, if the title deed is written in the name of the man or the name of one of the parties, it will be better to divide the property in the divorce, and only need one party to give the other party his or her part of the money.

However, if the names of two people are written, then the division of property is divided according to the equals, so it is impossible to achieve true fairness and justice. And after how many years of living after marriage, how much the two parties repaid, such a division of property will eventually be unfair and their quarrels will intensify.

In general, buying a house is an important thing for couples. It is recommended that you can make a good arrangement when buying a house, so that no matter what your married life is, there will not be too many troubles. Of course, it is best if both husband and wife can live happily!

If you write the names of both husband and wife, it will occupy the name of the other party's first house, and when you buy a second house, it is very cost-effective, and you have to pay a high tax.

If you write the names of two people, then both of them have real estate in their names in their lives, and they may pay some taxes if they want to buy a house in the future.

Because in modern life, marriage and the house seem to be tied together, the house has become the standard for marriage, when there is a conflict between two people after marriage, if the divorce belongs to the joint property of the husband and wife, then at the time of divorce, the house will also be divided.

A friend who has been in the real estate industry for ten years told me that when buying a house, it is better not to write the names of two people, which will be very risky and a waste of money.

When buying a house, it may be easier to write the names of two people on the title deed. As long as both people are voluntary, with their ID cards, they can go to the real estate bureau to handle it, which is also very convenient. But if you have two people's names written in the house, it is very troublesome when two people break up or divorce, and it is easy to intensify the conflict.

Because many men and women get married nowadays, the down payment is generally made by the man's family, and the down payment is a lot of money. But for the woman, since she already has her own name on the real estate certificate, then the house has her own share. Therefore, there is often no way to achieve unity on this issue, and the contradictions between the two people are getting deeper and deeper, and there may even be a lawsuit.

Many people think that the relationship between husband and wife is good, and there will be no divorce at all, and the house has the names of two people written on it, so that the wife also feels more secure. But the two ignored one point, when they buy a second house in the future, they will have to spend a lot of money. Because the real estate deed writes the names of the husband and wife, then from a legal point of view, both already own a house.

If you are buying a house, it is a second house.

The gap between the second home and the first home is still very large. First of all, in terms of down payment, the down payment ratio for the first home is 30%, but the down payment ratio for the second home needs to be more than 50%. Therefore, for the same ** house, the second house needs to come up with more down payment before it can be purchased.

In terms of loan interest rate, the loan interest rate of the second home loan is much higher than the loan interest rate of the first home. In the case of CPF loans, the interest rate for second home loans is 10% higher than the benchmark for CPF loans for first homes. The interest rate of the second home loan of other commercial loans shall be subject to the regulations of each commercial bank, but in general, it is relatively high.

The tax incentives are different. In the transaction of one set and two sets, one set has a deed tax concession (ordinary and less than 90 square meters are levied at 1%, ordinary is levied, and non-ordinary or 3%), and the deed tax of the second set is 3% no matter what the situation. In terms of real estate tax, one set is exempted, and the second set is calculated according to 60 square meters per capita of the family, and the excess part is levied real estate tax, which is paid at the end of each year, and the tax rate is non-ordinary residence, ordinary residence, and the land is levied at 70% of the contract price.

Moreover, the loan amount for the second home will be much smaller than that for the first home, and it will be much more difficult to get a loan. If only one person's name is written on the real estate certificate, then you can buy another house in the name of the other party, which is also the first house, which can solve many problems.

If you want to go to other cities in the future, then if the names of two people are written on the real estate certificate, then it will be very troublesome at that time, and it will not be so easy to buy a house.

Because real estate, a fixed asset bought before marriage, must be unilateral property, and if bought after marriage, it will belong to the joint property of the husband and wife, and there is no need to add another person's name. If it is useless to add the name to the name bought before marriage, it will still belong to the funder.

It's best to write it, because two people are going to get married, don't guard against each other, and be sure to give each other enough security.

In the process of buying a house, it may be relatively easy to write the names of two people on the real estate deed. As long as 2 people are on their own, bring their ID documents and go to the housing authority to apply for it, which is also very convenient. However, if there is a house with two people's names written on it, it is very inconvenient for the two people to be separated or divorced, and it is very easy to delay the decision for a long time.

Since many men and women are currently married, the general down payment is all from the man's family, and the down payment is a lot of money. But for women, the title deed already has its own name, so the house is given to herself. Therefore, in this case, it is usually impossible to achieve unity, and the contradiction between the two people is getting deeper and deeper, and it is even possible to hire a lawyer to fight a lawsuit.

Many people feel that the relationship between husband and wife is good, and there will be no divorce at all, and the names of two people are written in the house, so that the daughter-in-law also has a greater sense of belonging. But the two ignored the fact that in the case of buying a second house in the future, it would cost a lot of money. Since the title deed of the house is written in the name of the husband and wife, from the perspective of the statute, both of them already have a house.

If you are buying a house, it is all a second house. The difference between the second suite and the first suite is also quite large. First of all, at the down payment level, the interest rate of the first commercial loan is 30%, but the down payment ratio of the second home loan must be more than 50%.

In terms of loan interest, the bank loan interest rate for the second home loan is much higher than the bank loan interest rate for the first home. As far as the provident fund housing loan is concerned, the bank loan interest rate for the second home loan is to increase by 10% on the standard of the bank loan interest rate for the first home provident fund. The interest on the second home loan for the rest of the commercial loans is based on the requirements of each bank, but in general, it is relatively strong.

The tax policy is not the same. One set and two sets are bought and sold, one set has deed tax incentives, and the second set of real estate deed tax is 3% regardless of the situation. In terms of real estate tax, one set is exempt from tax, and the second set is calculated according to the average of 60 square meters in the home, and a part of the real estate tax is paid at the end of each year, and the levy rate is not ordinary housing, ordinary housing, and the land is taxed at 70% of the contract price.

In addition, the amount of personal loan for the second home will be much smaller than that for the first one, and it will be much more difficult to borrow. If the real estate certificate only has one person's name written on it, then you can buy another house in the name of the other party, which also belongs to the first one, and you can solve many problems.

If you want to go to other cities in the future, if the real estate certificate has the names of two people, it will be especially inconvenient at that time, and it will not be so easy to buy a house.

It's going to be a bit more cumbersome. If the title deed is in the names of two people, then everything about the house must be done by two people together. If you buy or sell a house, you need the consent of two people.

The disadvantage is that the division of property is more troublesome during the divorce, which delays the progress of the separation of the two.

Because it is not easy to divide property; This will restrict the purchase of a house for two people, which is not conducive to the division of property, is not conducive to making the right decision, will lead to some unnecessary troubles, and will pay a high house price.

I don't think that the names of the husband and wife should not be written on the real estate certificate, because the husband and wife have to live together after marriage, and only by adding the names of both husband and wife to the real estate certificate will give the husband and wife a sense of mutual security, so that they can have a sense of oneness, and they can be happier in their later married life.

After marriage, the husband and wife jointly contribute money, under normal circumstances, the names of the husband and wife will generally be written on the real estate certificate, which will be the joint property of the husband and wife, but many people suggest that it is best not to write the names of both husband and wife on the real estate certificate of buying a house, why is this? Let's find out!

As for why the reason is very simple, the most important reason is that it is not conducive to buying a second house, once the name of the husband and wife is written on the house book when you want to buy a second house, you may encounter some trouble when taking out a loan, the second house needs to pay 60% of the house price at once as a down payment, so if only one person's name is written on the real estate certificate, there are some discounts for the down payment of the second house.

Now, in addition to the borrower's household registration book, the bank will also require the borrower to provide proof of marital status when approving the loan, and married couples cannot provide proof of singleness, so the other party will also be counted as a second home when buying a house. As long as the mortgage records can be found in the credit information system of the central bank, even if the property is awarded to one party after divorce, the other party will be recognized as a second house when they take out a loan to buy a house. This makes a lot of attempts to get through"Fake divorce"The idea of circumventing the new deal for second homes has also been in vain.

Secondly, if the husband and wife are not in harmony and the relationship between the husband and wife breaks down, how to distribute the house with the names of the two people, this will become a very big troublesome problem, if the man pays to buy the house, and the man himself is paying off the mortgage, and the woman wants to divide half of the house, the man is generally impossible to agree, so it is better to discuss the ownership of the house at the beginning.

There are so many preferential policies for the first home, don't waste it in vain. Of course, divorce can't be done rashly. As long as the husband and wife trust each other and support each other, there will be no such thing as divorce in the future.