01. Credit report before marriage
Although if you want a happy marriage, both parties must give each other enough trust.
But trust is trust, and there is a big difference between trust and integrity.
My cousin used to love her boyfriend very much. They were very sweet and lived happily together until half a year after they got married, my cousin got promoted in the company and wanted to get a loan to buy a house.
In the end, it was better not to buy a house. I was about to buy a house, but found that his boyfriend was on the credit blacklist: he owed a lot of credit cards, and he had been borrowing new ones to pay off the old ones, demolishing one wall to pay for the other. Never told my cousin.
Now, the opportunity to get a loan to buy a house is gone, and my cousin is also inexplicably in debt.
Before getting married, be sure to "check" these 5 points about the other party
Because of this incident, there was a gap between the two people, and they continued to quarrel. My cousin never thought about it. In the end, I could only seek help from a lawyer. But the lawyer told the cousin that she had to prove that this was her boyfriend's first personal act and his personal liability. But this process is quite difficult to be honest.
So, it is really necessary to check the other party’s credit report before marriage.
After all, when living in this world, you must protect yourself first. Checking the credit report can not only confirm whether the other party has debts, but also see the other party's credit status and roughly understand the other party's financial situation.
Before getting married, you must "check" these 5 points of the other party.
However, the query method is also very simple. You can use the People's Bank of China website to check online, and you can also check with them offline. The other half goes to the local branch of the People's Bank of China or a bank outlet that prints credit reports to check more specific credit information.
02. Understand marriage files
Marriage files are very important!
We can check the marriage registration status of an individual at the marriage registration office where the household registration is located.
Nowadays, there are many families with second marriages. Some people say it openly, but some people hide it.
In addition to checking the marriage files to confirm whether the marital status described by the other party and you is true, if the other party is divorced, you can also check the obligations agreed in the previous divorce agreement.
For example, you should focus on these points:
1) Whether you have children
2) The amount of child support you need to bear
< p>3) Who owns the real estate, cars, etc. in your name4) Who will repay the mortgage, car loan, etc.
These issues will all determine whether your marriage will be successful in the future. Determinants of happiness, quality of life, and level of stress.
03. Receive betrothal gifts before receiving the certificate
This is not difficult to understand, because before marriage it is personal property, and after marriage it is joint property of husband and wife.
Before getting married, be sure to "check" these 5 things about the other party
Some friends may register the marriage first and have a wedding banquet, and the parents often give the dowry after receiving the certificate. and bride price.
Once calculated in this way, dowry and bride price are considered to be the joint property of husband and wife. If they divorce in the future, these properties will be divided.
In some cases, the groom’s family may have borrowed money to provide the bride price.
However, according to the "Judicial Interpretation of the Marriage Law", if one party borrows a debt before marriage, if it is proven that the debt was used for the husband and wife's joint life, it will be regarded as a joint debt of the husband and wife.
Dowry and betrothal gifts should be a headache for many families, but these things are originally meant to bring good luck, so I hope everyone will do their best in this regard.
04. Check the other party’s property search
Cities such as Beijing and Shanghai have limited purchase policies, so property search is very important.
Because once the other party has a house in his name that meets the purchase restrictions, then if you want to buy a house after getting married, it will not be counted as your first home.
This is not your first home. Not only does the down payment requirement increase a lot, but you also cannot enjoy the preferential policies for first homes.
Before getting married, you must "check" these five points of the other party.
Secondly, if it is a marital home, you must also understand whether the house is in his own name or in his parents' name. under the name. In order to prevent the harmonious relationship due to this problem in the future.
The query method is also very simple. Bring your ID card to the self-service query machine of the Housing Authority and swipe it to query.
05. How to calculate the increase in wealth within marriage?
Take the real incident of a friend my mother met through square dancing as an example. This aunt got divorced, but later found out that her husband had "hidden" a stock investment and the value had appreciated during the marriage, so she requested the court. Divide according to the provisions on investment income during marriage.
However, the court did not agree to this request because it was invested by the husband before marriage and there was no operation during the marriage, so it cannot be calculated as investment income.
But if the husband has bought and sold during the marriage, then the distribution must be based on the investment income.
So, if the wealth increases during marriage, only the investment income can be divided between the two parties; while the property held before marriage still belongs to individual property if it generates interest and natural appreciation during marriage.