In fact, I am still married in the actual marital status, but I am still unmarried, which has no impact on everyone's mortgage and does not affect the property of husband and wife.
In other words, even if you take out a loan in the name of one person, but the husband and wife actually come together to repay the loan, then the mortgage is actually shared by both husband and wife, that is, the house belongs to both husband and wife.
Second, there may be problems in the process of repayment.
Although there may not be any problem when lending, because the bank will also check some corresponding personal information when lending you a loan, such as your marital status, but your household registration book is actually unmarried, so when the bank handles related business, it is actually carried out according to your household registration book. But if you can't afford the loan, then at this time, the bank will only look for the undertaker in the household registration book, which means that it won't ask your spouse for it, because your spouse has not signed a loan contract, and the bank will only make a decision based on the information shown in the household registration book and the credit report, which means that the undertaker of the loan should be yourself.
Third, the conclusion
Bian Xiao believes that in order to prevent some unnecessary disputes in the future, it is best to authenticate the information in the household registration book, and you can go to the local registration agency to deal with it accordingly, so that the bank will know that you are married now. In fact, some details may have a great influence on you, so don't ignore these problems.
202 1-09-04 answer
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Can a married person apply for a mortgage if his registered permanent residence is unmarried?
Yes, you can. Conditions for handling individual mortgage houses. Applicant's conditions: a natural person with full capacity for civil conduct and meeting the following conditions: 1. Valid identification; 2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan; 3. There is a purchase contract or agreement; 4. The down payment of 20% or more has been paid; 5. Other conditions stipulated by the lender. Mortgage loan conditions: 1. The maximum amount of mortgage loan shall not exceed 80% of the total price of the purchased commercial house; 2. The loan term shall not exceed 30 years at the longest; 3. The loan interest rate shall be subject to the statutory interest rate of the People's Bank of China. 2. Program 1. The commercial housing purchased by the property buyers must be the commercial housing of the real estate development company that signed the mortgage agreement with the bank; 2. Sign a house purchase contract with a real estate development enterprise, and pay a down payment of 20% of the total house purchase price; 3. Apply to the bank for housing mortgage loan and submit relevant materials; 4. The bank investigates the borrower and the information provided, and informs the borrower to go through the loan formalities at the bank if it meets the requirements; 5. Insure the purchased house according to the loan term; 6. The borrower mortgages the purchased commercial house to the bank, and the real estate enterprise goes to the relevant department for mortgage registration, and submits the house ownership certificate to the bank for safekeeping.
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Married people apply for mortgages, but the household registration book is still unmarried. What effect will it have?
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Is the marital status in the household registration book unmarried and actually married? Is there a problem with the mortgage?
Hello, in this case, I suggest you make some changes to the household registration book, otherwise it may affect the loan qualification, quota or house purchase qualification of both parties. When a bank lends money, it will examine your repayment ability. If you are married, even if only one party is the main lender, the other party will bear the repayment responsibility of the loan because of the marriage relationship. Based on this, whether you are married or not may be one of the considerations for bank loans. Of course, the specific policies are different for each bank. At the same time, both husband and wife can apply for provident fund loans when they get married, which will be more cost-effective. All of the above may need to review your account book. If the identity in the household registration book does not match the real identity, it may cause unnecessary trouble. So I suggest you take the household registration book to change it. When changing, you need to bring your original valid ID card, original household registration book, marriage certificate and other materials to the household registration department for change. The specific process can be subject to consultation with the household registration department where the household registration is located. "Marriage Registration Regulations" Article 3 When a mainland resident marries, both men and women shall * * * register their marriage at the marriage registration office where the permanent residence of one party is located. If a China citizen marries a foreigner in the Mainland, and a mainland resident marries a mainland resident, a Macao resident, a Taiwan Province resident or an overseas Chinese, both men and women shall go through the marriage registration formalities at the marriage registration office where the permanent residence of the mainland resident is located. Article 5 Mainland residents shall present the following documents and supporting materials when registering for marriage: (1) Resident's household registration book and identity card; (2) A signed statement that I have no spouse and no direct blood relationship with the other party and collateral blood relationship within three generations. "Regulations on Household Registration" Article 18 If the contents of household registration need to be changed or corrected, the head of household or himself shall report to the household registration authority; If it is verified through examination, the household registration authority shall change or correct it. When the household registration authority deems it necessary, it may require the applicant to issue a certificate of change or correction. Article 19 If a citizen's household registration changes due to marriage, divorce, adoption, claim, separation, merger, disappearance, recovery or other reasons, the head of the household or himself shall report the change registration to the household registration authority.
The divorce has been completed and the credit report shows that he is still married. Does it affect the repayment of loans?
Because families will be formed after marriage, some things are undertaken by families, such as buying a house. Therefore, the marital status of personal information, such as married or unmarried, will also be displayed in the credit report. However, some netizens found that the divorce was over, and the credit report showed that they were married again. How does this affect the repayment of loans?
First, the reasons why the marital status has not changed.
The reason why I didn't change my marital status in the credit information after divorce is usually because I didn't apply for a loan or credit card after divorce, which led to my credit information still being personal information before marriage. Moreover, the marriages reported in these reports actually have no legal benefits and are for reference only. In the end, it depends on the divorce certificate and divorce agreement.
Second, the impact on repayment.
In fact, being married or unmarried in credit information has little effect on repayment, because credit information is displayed by credit information, such as the loan situation and whether the loan is settled. If there is a * * * loan before the divorce, then the husband and wife negotiate how to repay the loan. If it is paid off, the machine will show that it has been settled. And this is the repayment of the loan before the divorce, which has no effect on the divorce. You can't say that you are married, as the credit report shows, but you don't have to pay back when you are divorced.
Third, change the married status.
If you see in the credit report that marriage has an impact on your later affairs, then you want to turn it into divorce. The next time you can go to the bank to apply for a loan or credit card, your marital status will change. Or directly call the customer service phone number of the relevant bank, and then transfer to manual service, so that customer service can help them change. If they find out it's a divorce, they will ask them to make changes. Usually they have to write a certificate and then sign it.
Does it matter if the married unmarried provident fund loan passes?
It will have an impact on the loan to buy a house. If you only withdraw the provident fund and don't use the provident fund loan, then if you don't have a house under your name, you can use the provident fund loan according to the standard of the first home loan. Since the whole family used provident fund loans before, and this is also the second suite purchased, it belongs to the second home loan, and the down payment is 60% less.
Provident fund generally refers to housing provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.