Legal protection must be given as long as there is relevant evidence.

Second, after the provident fund loan, two people can get married without their names.

1. If it is a housing provident fund loan, if one party has a provident fund and the other party does not, then it can only be purchased in the name of one person.

2. If the property purchased before marriage is unilateral property, it does not belong to the property after marriage and does not belong to the joint property of husband and wife. But if you can prove that you are involved in repayment, it can be regarded as the same property.

3. Valid identity documents, proof of marital status and other necessary documents of the borrower and the mortgagor;

The real estate certificate of the mortgaged house and the certificate that the mortgaged property agrees to mortgage;

Letter of intent signed by the borrower, receipt of more than 30% of the purchase price or other supporting documents;

Other materials deemed necessary by the lender.

If you don't get a marriage certificate to buy a house, you'd better go to the notary office for notarization first to avoid unnecessary trouble.

3. Can provident fund loans be added?

Legal analysis: housing provident fund loans cannot be named, and the name of provident fund loans is determined according to the name on the purchase contract. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. Legal basis: "Regulations on the Management of Housing Provident Fund" Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the unit for employees belong to individual employees.

4. Before the housing provident fund loan is paid off, can the real estate license be real?

To apply for a loan with two people's housing provident fund, you can add one person's name, but at the same time you can only apply for a set of provident fund loans. If you want to reuse it, you must first settle the provident fund loan. If the original provident fund loan is not paid off, you can no longer use the provident fund loan to buy a house. You can't add it until you repay the loan. If someone is a spouse, they can change the registration of real estate (change between spouses), and only accept 80 yuan's property certificate, without other fees. The name on the real estate license is based on the name on the purchase contract, and the name of the provident fund loan is also based on the name on the purchase contract. So the name on the real estate license is the same as the name on the loan. The processing flow is:

1. Go to the bank to handle the mortgage change procedures first (please consult the bank for details).

2. Fee for adding the name of the real estate license: In addition to the above-mentioned 1 10 yuan, if it is a pure provident fund loan, an additional fee of 100 yuan is required; If the loan is in the form of portfolio (provident fund commercial loan), it shall be paid separately to 200 yuan.

3. Bring the original and photocopy of the three certificates (marriage certificate, ID card and real estate license).

4. Go to the real estate trading center in the area where the house is located, and let you know in the pre-inspection window that you are here to apply for the real estate license and add your spouse's name. The window staff will review the submitted materials, give you a number if the materials are complete, and then take the number to the relevant window.

5. Fee for adding the name of the real estate license: 1 10 yuan handling fee. The details are as follows: the production cost of 80 yuan, the cadastral map cost of 25 yuan and the posting cost of 5 yuan. If you succeed in 20 days, you can get a new real estate license.

6. You can set a password for the new real estate license, and the real estate trading center will inform you of an initial password, which can be changed later. Extended data:

Loan terms 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.