Married people who apply for provident fund loans can only use one party's provident fund, but they must provide the other party's ID card, household registration book, credit certificate and income certificate. Apply for commercial loans instead of provident fund loans, but also provide the above information.

Second, one spouse buys a house with a pure provident fund loan after marriage, and the names of two people are written on the real estate license. Want to buy a second suite, how to operate?

You can write two names or one name.

1. Write the names of two people. If the man has a provident fund, he can use the provident fund loan. If the man is the main lender, it can only be a commercial loan.

It is better to write two names than one. The repayment ability and income proof of two people are definitely greater than that of one person, so it is more likely for banks to approve loans and the loan amount is higher.

3. The monthly payment is not higher than 1/3 of the after-tax income certificate of two people. However, proof of income after repayment of the first suite is required. This is very important.

Three, after marriage, one party applies for a provident fund loan to buy a house, and the other party must provide proof and add a name. ...

To buy a house after marriage, the title certificate needs two people, so it needs to be done. Do * * * should be at the time of initial deposit, will certainly be the names of two people.

If it is a loan to buy a house, because they are married and belong to the same debt, both parties need the same loan. If one party is unemployed, then the loan amount can only enjoy one person's share.

Regarding the time of property management and filing, ask the developer. According to relevant regulations, the filing should be completed within 30 days after the signing of the commercial housing sales contract, and the property right certificate should be handled within 90 days.

Fourth, the man's provident fund loan to buy a house can only write the woman's name?

Yes, the shadowless property belongs to the man's personal property before marriage. If the purchase contract signed is only personal property. Dealing with real estate after marriage is still under the names of both women. Because the property is determined by the name on the purchase contract signed at the time of purchase. The house is a personal property purchased before marriage.

First, the house purchased by the man before marriage

When buying a house before marriage, the man can write the woman's name.

In the first case, buy a house in full: if the man chooses his name as the payment method for buying a house before marriage out of his own will, then the woman's name can be affixed to the real estate license. Because after buying a house in full, the man can match the right, and whether to give the woman a name can be decided by himself.

In the second case, the payment method of buying a house before marriage is mortgage loan. You can choose to pay off the loan in advance and then apply for the name of the real estate license.

Adding the woman's name can be regarded as a gift to the woman, and the ownership is changed to * * *, and the woman has the right to ask for division.

Second, the house bought by the man is registered in the name of the woman. Who owns the divorced property?

After marriage, the man pays to buy a house, even if it is registered in the woman's name, it generally belongs to the joint property of husband and wife. How to divide the property during divorce is analyzed in two situations. If you buy a house with money before marriage, according to the principle of property rights publicity, the name of the house is presumed to be recorded in the woman's name, which can be regarded as a gift to the woman and belongs to her personal property. As long as the man can prove that the house is funded by him, it belongs to him, even if he is prevented from claiming rights.

3. Can the woman's name be added to the house bought with a pre-marital loan?

Add a name.

The man's personal property before marriage belongs to the man himself, and after marriage, it belongs to the husband and wife after adding the woman's name. When a husband and wife divorce, they are divided according to their property. The acquisition of housing rights requires registration.

Even if the house is owned by individuals before marriage, if the name of the spouse is added to the real estate license after marriage, it is a gift to the spouse and can be regarded as the ownership of the property before marriage.

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People's Republic of China (PRC)

Article 64 Social insurance funds include medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. In addition to the basic medical insurance and accounting, the fund is accounted for separately by social insurance. Social insurance system. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement provincial overall planning, and the national fund will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.

Article 7 The national social security fund consists of funds raised by other means approved by the central finance, which are used to supplement and regulate social security expenditures. The national social security fund is managed and operated by the national social security fund management and operation organization, and its value is maintained safely. The national social security fund shall regularly announce the income and expenditure, management and investment operation to the public. The State Council and audit institutions supervise the operation of the national social security fund.