Some people say that the names of two people should not be written on the real estate certificate, w

There are many people who work outside the home, so that they can have their own house in the future, because we have a house in the city, which is equivalent to us having a home in the city, and in this city, we will become very secure. But many people buy a house when they get married, and they usually write the names of both husband and wife, but recently they say that they should not write the names of 2 people on the real estate certificate, why?

1. We should all know that in many cities, buying a house is a limited purchase policy. Many people even fake divorces in order to buy a house, that is, to buy an additional apartment in their own name. However, whether it is a local or a foreigner, as long as you buy a house in your own name, or the previous loan has not been paid off, buying a house again is a second set, or both parties have loan records, which is also a second set.

Buying a house through a fake divorce is also a second home, and a couple's purchase of a second home, either in full or on a loan, is also considered a second home.

2. For people who are generally married, it is normal to write the names of the husband and wife on the real estate certificate, but if the two people want to divorce later, the division of property is particularly difficult to get, and if both parties want a house, there will be a lot of disputes, which is the reason why don't write the names of 2 people on the real estate certificate.

3. If it is a property before marriage, whose name is on the real estate certificate, then the property right of the house is who's, if the house is a real estate after marriage, then no matter whose name the house is the joint property between the husband and wife, the sale or transfer of the house after the two people need to agree to sign.

Now that the husband and wife are married, it doesn't matter whose name they buy after marriage, because this is already your joint property, but if you buy it before marriage, whose name is it when the house is divided in the future, then the house will be who's, so there is no pros and cons to buying a house after marriage and only writing one party.

1. Preferential policies for first home loans.

If the name of both husband and wife is written on the real estate certificate, it means that both husband and wife own the property in their names, and if only one person's name is written on the real estate certificate, then the other party wants to buy a second property, then they can still enjoy the first home policy discount.

2. It is not conducive to buying a second home.

If both husband and wife's names are on the real estate certificate, that is, they already own the property under their names, even if you pay off the loan, then buying a house is considered a second set, and the husband and wife have a record of taking out a loan to buy a house, even if the house has been sold, buying a house again is also considered a second set, and the down payment for a second house is relatively high.

3. Property distribution.

Once divorced, then the ownership of the house is prone to contradictions, the real estate certificate must not write 2 people's names mainly to avoid real estate disputes, even if the house is given to the other party after the divorce, they buy another set, at this time it will conflict with the current real estate sales restriction policy, and there will be many restrictions on buying a house with a loan.

4. The procedures are relatively troublesome.

When going through the procedures such as the change of real estate rights, both people must be present at the same time, which is more troublesome.

5. It is not conducive to migration.

Some families have already bought a house in the local area, but it is inevitable that they will want to buy a house in other cities for the future. If the names of two people are written on the real estate certificate, then it will be relatively troublesome to buy a house in other cities.

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Precautions for applying for real estate certificates.

1. Take a look at your purchase contract first, there is a deadline for applying for a real estate certificate, which is the offer clause in the developer's contract, and the approximate time can be clearly understood.

2. When applying for the real estate certificate, under the premise that the developer completes its own relevant procedures, the owner will be required to hand over the contract, payment certificate, loan certificate, invoice, ID card and other materials or copies of the sales report to the developer, and the developer will handle it on behalf of the developer, and the developer needs to prepare various items such as land payment payable, taxes and fees, as well as the acceptance and delivery of the commercial housing and then go to the housing authority to apply for the real estate certificate.

3. When applying for the real estate certificate, the owner needs to pay attention to the real estate certificate registration, and the property owner should be present when receiving the certificate, bring his ID card and sign. At the same time, it is necessary to pay relevant fees, including deed tax, stamp duty, production cost, etc.

4. If there is a mortgage loan for the purchase of a house, the real estate certificate needs to be registered as a mortgage at the lending bank.

Split risk: If two people jointly own a property, if it happens, it may result in a decrease in the value of the property or it may be difficult to divide.

Inheritance issues: If two people jointly own a property, after the death of one party, the other party may face inheritance issues and need to be divided with the other heirs.

Tax issues: If two people jointly own a property, they may face tax issues and be subject to higher taxes.

However, these issues are not absolute, and the specific situation needs to be decided on a case-by-case basis and according to the law. If there is a good relationship of trust and agreement between two people, co-owning a property can also be a reasonable option.

Mainly because it is an era of very weak feelings and interests, and the names of two people are not written on the real estate certificate to prevent the loss of their own interests.

Don't write two names on the real estate certificate because there will be contradictions and unfairness when you encounter property distribution problems in the future.

It is difficult to divide property, there is a big contradiction in the later stage, it is difficult for everyone to earn money to buy a house, and no one wants to be taken advantage of, and at the same time, they don't want to be treated as their own people.

Because according to the new policy of the real estate bank. If you want to buy another home, the down payment for the second mortgage is 60% and the down payment is 60%. For ordinary residents. It's still more difficult.

Because of trouble, for example, when you have to do something in the future, you need two people to be present at the same time.

Because if this is the case, if the relationship between two people fades and breaks up in the future, then the division of real estate will be a big contradiction. So I feel like trying not to write the names of two people.

The disadvantages of writing the names of two people on the title deed are:

1. The change, gift and tax payment of housing property rights need to be handled by two people at the same time;

2. When the real estate is mortgaged, the bank shall not auction all of the property, but can only auction and sell its share;

3. When the co-owners transfer their shares, the other co-owners have the right of first refusal, and the scope of the transfer is limited.

[Legal basis].Article 297 of the Civil Code.

Immovable or movable property may be jointly owned by two or more organizations or individuals. Co-ownership includes co-ownership and co-ownership.

Article 298.

Co-owners have ownership of the immovable or movable property in common according to their share.

Article 299.

Co-owners have joint ownership of the immovable or movable property they have in common.

1.According to the current marriage law, after marriage, the husband and wife buy a house to write a person's name and write the name of two people belong to the joint property of the husband and wife, even if the real estate certificate only writes the name of one party, the subsequent transfer of real estate needs to be signed by both husband and wife, so some buyers advocate that the real estate certificate should not write 2 people's names after research, in order to facilitate the purchase of two suites in the future. 2.

Now many cities have a limited purchase policy is also the reason why don't write 2 people's names on the real estate certificate, whether it is in the local or foreign places, as long as you have bought a house or have not paid off the mortgage, whether the house has been sold or not, and then buy a house is counted as two sets. And since both parties have loan records, fake divorce and no more house is considered a second set, and the down payment ratio of the second set and the related loan preferential policies are less than that of the first house. And if the names of two people are written on the real estate certificate of the loan purchased in the name of one of the husband and wife, after the fake divorce, the other party has the qualification to buy a house, and if it is purchased separately, it is the first set, and there is a time limit, so some people propose not to write the names of 2 people on the real estate certificate.

3.Once divorced, then the ownership of the house is prone to contradictions, do not write 2 people's names on the real estate certificate mainly to avoid real estate disputes, even if the house is given to the other party after the divorce, and then buy a big Liang Na set, at this time it will conflict with the current real estate sales restriction policy, and there will be many restrictions on buying a house with a loan. For example, in Beijing, the loan for buying a house and the provident fund loan within one year of divorce are counted as two sets, and the down payment for the second home loan is 60%.

In order to avoid a series of troubles, netizens suggested that 2 people's names should not be written on the real estate certificate.

The reasons why don't write 2 people's names on the real estate certificate are as follows:

1. Once divorced, the issue of real estate disputes is the biggest dispute issue in the divorce in addition to the custody issue. Even if you give the house to the other party and buy another set yourself, sometimes you will be restricted by policies, for example, in Beijing, divorce loans, commercial loans and provident fund loans are counted as two sets, and the down payment for the second home loan is 60.

2. Now the city has a limited purchase policy, if you have bought a house or have a mortgage, whether the house has been sold or not, and then buying a house is counted as two sets. The down payment ratio of the second home and the related loan preferential policies are less than that of the first house. Therefore, if the loan is purchased in the name of one of the husband and wife, after the fake divorce, the other party is eligible to buy a house, and if it is purchased separately, it is counted as the first set, and there is a time limit.

3. The house was purchased jointly by two people before marriage, and only one person's name was written. If there is a discord after marriage and you want to divorce, if you disagree on the ownership of the property, the house will be owned by the party who registered the property.

The role of the document

In fact, the title certificate mainly plays a role in the field of housing registration affairs, and is mainly to ensure the order and safety of registration activities. The real estate certificate first plays the role of proof of the completion of the registration act.

After completing the housing registration affairs, the registration authority will issue the real estate certificate to the right holder, indicating that the registration authority has completed the corresponding housing registration according to the facts, the law and the application of the parties. Since the contents of the real estate certificate are consistent with the contents of the register, the real estate certificate serves as a kind of memo.

Many people feel that if the names of the husband and wife are written on the real estate certificate, it will be very troublesome to apply for a mortgage or real estate procedures. For example, when applying for a mortgage, the application materials of both husband and wife must be provided.

In fact, according to the current bank credit policy, regardless of whether the name of one person is written on the real estate certificate or the name of the husband and wife, when applying for a mortgage, the husband and wife must be present to sign the first defeat, and the credit of both husband and wife must be checked. It's just that when going through the property rights procedures at the housing management department, if one of them does not register, then there is no need to go to Li Qinqing.

In addition, many laymen think that if only the name of one of the husband and wife is written on the real estate certificate, then the other person will not have a property, so that he will not be affected by the second house when he buys a house, and can apply for the first house in his own name, and the interest rate and down payment ratio of the first house are relatively low.

Now to buy a house, in fact, it is a family unit, for the married husband and wife, no matter how many people's names are on the real estate certificate, they all belong to the joint property of the husband and wife. Regardless of whether the other party has a property or not, whether there is a mortgage application record, when buying a house, it is recognized as a second house, and in the end it can only be implemented according to the down payment ratio and mortgage interest rate of the second house.

The process of applying for the real estate certificate

1. Submit an application: To apply for a real estate certificate, you need to apply to the housing management department, and the developer needs to sign and seal after the application form is filled. You can ask the developer or intermediary in advance to save the pain of traveling.

2. Surveying and mapping: The surveying and mapping table is an important basis for the registration department to determine the area marked on the real estate certificate, so it is one of the necessary materials. You can apply for and receive a surveying and mapping form at the housing area measurement station designated by the developer, or you can go directly to the developer with your ID card to collect it, or you can apply to the registration department for surveying and mapping the area of the house.

3. Pay taxes: Before receiving the real estate certificate, you need to pay the relevant taxes and fees, and the public maintenance ** is generally collected by the community in the area where the property is located, and some cities have begun to collect public maintenance ** by the bank, and the payment method can ask the developer's clerk.

4. Obtaining the certificate: After going through the above procedures, you can receive the certificate, be sure to keep the notice of receiving the certificate given by the management department, and collect the real estate certificate according to the time notified above. In addition, when paying stamp duty, property registration fees, and production costs, it is necessary to carefully check the records of the real estate certificate, especially important information such as area, location, name of the right holder, and ownership status.

It is best not to write the names of two people on the title deed as this may cause unnecessary trouble. If the names of two people are written on the title deed, then the identification and signature of two people will need to be provided when going through the formalities of housing transaction, mortgage, etc.

In addition, if the names of two people are written on the title deed, then the handbook may also cause disputes regarding Bi Konghong's inheritance. Therefore, in order to avoid disputes and troubles, it is best to write only one person's name on the title deed.