Try not to write the names of the husband and wife on the real estate certificate, why do you say th

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.

According to the countryRegistration of immovable propertyprovisions,Immovable property certificateThe names of both husband and wife must be written, belongingCo-ownership, except where waived by one party.

Dispose of the property rights of the two parties in a co-ownership relationship.

, the two owners have the right to use, benefit and dispose of the house according to their respective shares, and also share the obligations according to their shares. Both parties have the right to divide or transfer their shares, but neither party may dispose of the property without the consent of the other party, and the other party has the right of priority under the same conditions.

Application conditions:

1. If two or more legal heirs inherit a house at the same time, they can be jointly owned by shares, that is, the co-owners of the house can apply for the "Housing Co-ownership Certificate" for the inherited common house according to their respective share of the house; It can also be co-co-owned, that is, the co-owner of the house can apply for the "Housing Co-ownership Certificate" for the co-owned house.

2. The purchase of a house by two or more individuals or legal persons at the same time is generally co-owned by shares, that is, the co-owners jointly apply for the "Housing Co-ownership Certificate" according to the proportion of capital contribution.

The issuance method of the "Housing Co-ownership Certificate": For the co-owned house, the holder nominated by the right holder receives the house ownership certificate, and the other co-owners each hold a house co-ownership certificate. "House Ownership Certificate".

Formulated by the construction administrative department, the certificate is issued by the city, district (county) real estate administrative department.

The above content reference: Encyclopedia - Housing Co-owner.

Title Deed. Writing both parties' names on it can make each other feel more secure.

A few. When a couple buys a house, the head of the household writes the same name for two people or one person. Because of the current marriage law.

It is stipulated that property after marriage is the joint property of the husband and wife.

So it doesn't matter who writes it, it's the same, that is, divorced, and the house is half for one person. Even if there is only one person's name on the title deed, it will not affect this. <>

Now, the house is still the most important financial input for the average family, and the price of housing has soared. Once a marital crisis is encountered, the house often becomes a point of contention between couples. They can be very upsetting for the parties to a marriage who do not have their own names on the title deed.

When encountering marital problems, it is easier to associate them with house problems. For peace of mind, it's actually quite good to write the names of two people. <>

If there are two names on the title deed, sometimes it involves a loan and formalities, and sometimes it takes two people to go through it at the same time. But the title deed is a person's name, and only one person is needed to go through these procedures. It increases the convenience of doing things.

As for whether the name of two people or the name of one person is written on the real estate certificate, it still depends on the two parties in the marriage, but be careful not to hurt the relationship between husband and wife. <>

If the house was purchased jointly with money earned during your life as a couple, then the house is the joint property of your husband and wife, regardless of whether the name of one person or two people is written on the house. So, even if you don't write your name.

This house also has half of you at the time of divorce. If the money for the house is in your husband's personal property before the marriage or his parents' property, then if you only write your husband's name, legally speaking, if your husband can prove that the money for the purchase of the house is really his parents' or his personal property before the marriage, then the house may be recognized as your husband's personal property. Therefore, in real life, many people will write the names of the husband and wife on the property, because now many people buy a house The price of the house is more complicated, and writing the names of two people will make the two people psychologically more down-to-earth.

First, it belongs to the joint property of the husband and wife, second, both of them are secured, third, it is not conducive to the party who pays the down payment, fourth, when buying a second house, the interest rate will be relatively high, and fifth, it is more troublesome when changing.

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.

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.