Marriage contract when taking a mortgage loan

A sharp problem that is associated with the lack of housing is felt both the city and in the area. Demand for real estate Leningrad Region Toksovo, as well as real estate Leningrad region Tolmachevously grows continuously. Successful solution to this problem offers mortgage lending, having obvious advantages, as you can enter the apartment now, and then, living in it for a certain time, its value is paid. All obligations under this property are completely lowered by the owner, if he is alone. And if it's not a lonely person, but, for example, a married couple? Then they will have to take joint debt obligations to ensure this loan, which can become a real test of their feelings for spouses. When taking into account that the factor that at this time there is a rather large percentage of families, then there is something to think about what. The output from this situation may be in the form of the conclusion of a marriage contract, to protect the rights of both borrowers when concluding a mortgage transaction.
The conclusion of the marriage contract is primarily the issuance of an agreement between spouses, which regulates the procedure for ownership of both joint and personal property, is notarized and is legitimate. This document has a direct connection with the copyrightline of any type of property, and real estate including. Such a contract can be concluded at any convenient time and before the wedding itself and in any year of family life. When concluding a contract before the wedding, its legal force begins with the time of marriage. If he lies at another time, then by virtue of it comes immediately after its registration at the notary. After a divorce, a clear case, such an agreement cannot be concluded.
If at the conclusion of a mortgage transaction there is a marriage contract, then this is an additional confirmation of the foundation of intentions and undertaken obligations, which gives a clear understanding of bankers about who entrust for the alleged loan the bulk share of responsibility. In the absence of social agreements in accordance with the current Family Code, the property that is purchased in marriage has collaborative ownership status. Social agreements include, for example, the case when there is an intention to take a loan mortgage, but finances for the first installment were the property of some of the parties before marriage was concluded.
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