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想买房钱不够怎么办?合资购房靠谱吗?

房天下   2017-04-14 09:20

[摘要] 刚毕业的学生想买房钱不够怎么办?由于限购,能借名买房吗?亲朋好友共同出资买房又该注意什么问题呢?合资购房看上去很美,出资人可共同承担风险,获得利益,但所涉及的问题也是纷繁复杂。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">刚毕业的学生想买房钱不够怎么办?由于限购,能借名买房吗?亲朋好友共同出资买房又该注意什么问题呢?合资购房看上去很美,出资人可共同承担风险,获得利益,但所涉及的问题也是纷繁复杂。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px" align="center">

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">对于婚前买房的情侣常遇到的问题是房产署名问题。情侣在婚前合资购房会有一定风险,所以房产证上以签署双方的名字为好。如果产权证上只写了一方名字,那么房产归署名方,另一方需拿出有力证据证明该房产是其共同出资购买,否则无法分割房屋产权

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">产权证登记为双方名字,一旦感情破裂,双方可按出资比例分割房产。此外,若情侣一方想继续持有房产,那么这一方就应该把需要补充的房款支付给另一方。原则上讲,由父母出资的部分房款应返款给其本人,若情侣或夫妻双方还要承担按揭贷款的话,那么谁在这方面的贡献大一些,将来法院分配房产时会向这方做一定的倾斜。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">二、同学合资购房

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">买房无非两种目的:一种是居住,一种是理财,而合资购房可以将两种目的属性糅合在一起。同学合资买房主要是为了居住,节省房租。需要提前注意的是,双方提前做好各种约定。大到出资比例、付款方式、房产署名、将来房产分割;小到谁住哪间卧室、家具电器如何出资购买等。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">三、亲朋好友合资购房

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">亲朋好友合资购房往往用于,这时就需要合资者能有长远的目光、出资谨慎。例如商铺,要考虑到是否为城市,对商铺的需求是否旺盛,是否可以。另外由于商铺单价较高,其办理贷款较为复杂,因此合资双方要提前做好规划。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">注意问题:

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">一、购房资质

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">受限购政策的影响,很多购房者会考虑借名合资买房。需要注意的是,合资人没有购房资质是无法在产权证上署名的。即便私下做了约定,也面临着不符合法律规定,权益得不到保障的问题。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">二、明确约定

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">两人或以上的出资人参与购房,相互之间发生纠纷的几率会增高。因此出资人之间要有契约意识,明确好使用权利的分配及转让权利。

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">三、贷款注意事项

RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">由于银行贷款只能以个人名义申请,因此如涉及到银行贷款,还需要考虑出资人的还款能力。如果合资方经济状况不一,还应提前确定共同还贷的期限、比例相关问题。

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