买房首付; gift letter; joint bank account full access letter

c
changmao
楼主 (文学城)

请教版上高手:

夫妻一方在申请贷款买房。这对夫妻有一个共同的银行账户。非买房配偶有一个单独的银行账户。
关于首付,lender提到:
a.非买房配偶可签共同银行账户的full access letter, 然后买房配偶可以使用共同银行账户的资金做为首付.
b.非买房配偶可签gift letter, 然后把单独银行账户的资金作为礼物给买房配偶做为首付。
请教a.b.两种选择的利弊, 哪一种更好, 或者有什么更好的建议?

谢谢!祝大家节日快乐!

柠檬椰子汁
对于买房来说两个都可以,可是以后离婚的时候可能第二个更好一点。

因为gift letter写明多少配偶个人的钱进了房子。以后离婚的时候分起来清楚一点。

对不起,你来问法律问题,我只给法律的回答。

x
xiaoxiao2013
一个也不签字, 1. 夫妻共同财产变成她个人财产。 2. 她的是她的, 你的也是她的。
x
xiaoxiao2013
俺有办法了, 共同帐户的钱, 一半转她个人帐户, 一半转你个人帐户。
w
weihua2021
这个是婚姻期间买房,应该属于共同财产吧. 应该是一
單身老貓
建議是, 根本不要買房。
柠檬椰子汁
虽然一个配偶贷款,最后房主注明应该还是两个人的。
x
xiaoxiao2013
那女的要是将来提离婚,就没房子住
單身老貓
自己的婚姻自己維持,自己的房子自己賺 !

這年頭沒有規定,離婚後,男人一定要提供住處給女人。

S
Sunblue
把买房配偶的名字加到非买房配偶的单独银行账号里,就可以使用2个银行账号里的钱了啊

或者非买房配偶把自己账号里的钱转到共同账号里

g
goingplace
你没有说你们为什么这样做的原因,目的,谁都不会知道利弊是什么。
單身老貓
這就是老貓說,現在不要買房,正常的夫妻買房應該不會有這麼多廢話
w
weisha_美国21
joint tenancy in entirety? 还是 Tenant in common?

什么形式买的?joint tenancy in entirety? 还是 Tenant in common?

给你看个宾州joint tenancy in entirety离婚后的财产分配:

§ 3507. Division of entireties property between divorced persons. (a) General rule.--Whenever married persons holding property as tenants by entireties are divorced, they shall, except as otherwise provided by an order made under this chapter, thereafter hold the property as tenants in common of equal one- half shares in value, and either of them may bring an action against the other to have the property sold and the proceeds divided between them. (b) Division of proceeds.--Except as provided in subsection (c), the proceeds of a sale under this section, after the payment of the expenses of sale, shall be equally divided between the parties. (c) Liens.--The amount of any lien entered of record jointly against both of the parties, together with any interest due on the lien and docket costs, shall be deducted from the proceeds of sale and the amount of the liens entered of record against either of the parties, together with any interest due on the liens and docket costs, shall be deducted from the share of the party against whom the lien is filed and paid to the person or persons to whom the amount of the lien is due and payable.