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家購入時のクレジットヒストリー
- #1
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- サキハウス1
- 2009/02/20 11:29
家の購入を考えていたところプロポーズされたのですが、私は結婚はまだ先のつもりでいたので家を一人で買うつもりでいました。 彼は私が家を買うことを知りません。
彼のクレジットヒストリーは悪いのですが、結婚してから買う場合私一人の名義で購入しても夫のクレジットが悪いと影響してしまうのでしょうか? 籍を入れる前に購入しておいたほうがいいのか迷っています。 彼のほうが収入は上なのでpaycheckヒストリーは問題ないはずです。クレジットヒストリーよりも現在の収入が影響するならば、籍を入れてから買って二人の収入を合わせた額を支払い能力としたいのですが・・・・ アドバイスおねがいいたします。
- #2
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- ルーシールーシー
- 2009/02/20 (Fri) 17:48
- Report
クレジットヒストリーも年収もどちらも大事だと思いますよ。 特に今はローンが厳しくなって来ていますし、条件も頻繁に変わっているように聞いています。
2−3のローン会社に連絡して具体的に数字を上げて、両方の場合のローンの可能性を聞かれる方が良いと思います。
カリフォルニアは結婚してると基本的に1人の名義では家の購入が出来ないと聞いていますので、その辺も確認された方が良いと思います。
- #3
-
#2さんの言うように、結婚している場合自動的に二人の名義になるようです。それでも一人だけの名義にすることは可能ですが、相手側がそれに同意するというような書類が必要になってくるとか聞きました。
- #4
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結婚する前に「サキハウス1」さん個人名で家を購入する事をお薦めします。もし何かがおきても、結婚前の購入なので半分取られる事もありません。(後で名義を入れる事は簡単です。)
もし結婚しても Quit claim にサインしてもらえば一人でも購入可能ですが、「これにサインして。」と言い辛いケースが多いので一人の時に購入可能なら(収入等の面で)お薦めします。
- #5
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家より、クレジットヒストリーの悪い人と結婚することのほうを心配したほうがいいのではないですか?
この先、借金返済であなたをアテにしますよ。
- #6
-
みなさん、ありがとうございます。自分でも調べてみたのですが#2さんの通り実際に比べてみないと、どちらが良いかは判断できないとわかりました。
#5さん 彼に借金はないのですが、以前住所間違いで届かなかったビルがあり、クレジットレポートを見るまでの二年間悪いヒストリーになってしまいました。それ以来ビルは私が管理しているので大丈夫だと思います。
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