Take a mortgage in a pair, or prefer alone?It depends on the life situation

It is clear to the spouses.By law they have mutual maintenance obligation as well as the joint property of the spouses, the so -called.SJ.Thus, in this case, the bank will insist that both spouses or registered partners should always be bound in the mortgage.“And it doesn't matter if they want or don't want to. Ledaže by měli toto zákonnéSJ nějak upraveno, například si ho zúžili smlouvou o manželském majetkovém režimu,“ vysvětluje Marian Holub, expert na oblast úvěrů na bydlení v České spořitelně.

Stejně tak bude banka případně zkoumat, zda u „čerstvě rozvedeného“ žadatele o hypotéku již došlo k vypořádáníSJ. Rozvedení manželé totiž mají povinnost vypořádat svoje bývaléSJ do tří let od rozvodu."And the bank always examines whether such a settlement has occurred and whether the applicant has no financial or property obligation," adds Holub.

The flat -rate can not be

On the other hand.They can apply for a mortgage together or only one of them.There is no universal answer to which variant is better.Each particular case will be different, it will depend on a number of factors, and details can often play a major role.Certainly cannot be generalized, for example, "the mortgage will not get because he is too young/old" and the like.In general, only certain for and against, possible pluses or minuses, what is good to take into account.

What can play in decision -making role

"At the beginning, it is certainly important to answer the question whether we will invest in the property in a pair, so we will both be enrolled in the land register as owners, or it is only one of the couple," says Pavel Jirák, CEO of the Modrá pyramida.It recommends to adapt the method of financing.

Also, for example, the own resources of one of the couple (one would insert significantly more money) may be the reason for which they do not want to enter into a credit relationship quite effectively.Likewise, if one of the couple, for example.

It also depends on the life situation and how they both approach this and how they plan things together.If one of the couple does not assume (not sure) mutual coexistence in the future, it may not be ideal to have a common property and mortgage.

Why go to a mortgage together

Otherwise, it can generally be said that a mortgage in a pair seems to be a little easier from many perspectives.“The advantage of a common mortgage is better creditworthiness.Banks count the income of all applicants, ”said Veronika Hegrová from the Mortgages of Hyponamir Mortgage.cz.As a rule, they will reach a higher loan amount.

This also applies when one of the partners earns, for example, and the other is with a child on parental leave.Or one earns and the other receives a disability pension.

Banks distinguish between the main incomes, which include mainly income from employment and business and additional income."From the bank's point of view and evaluation of creditworthiness, it is essential in this case to be a stable, permanent and sustainable income," summarizes Michal Teubner, head of Komerční banka communication.

In order to meet certain conditions, the bank accepts, for example, rental income, parental allowance, maternity benefit, maintenance (alimony), old -age pension, first to third degree disability, foster prize, retirement contribution, income from work, travel compensation(diet).

Even a few thousands of a month, which regularly comes to the account, a couple can "improve the score"."For partners requested together, it is possible to count on the common household income and the intake of 'supplementary' if the second applicant has 'main' income," explains Holub.But if one who has only a 'supplementary' income would apply for a loan separately, would not succeed.

And there is one more fact that can speak in favor of a mortgage in a pair.If the property is acquired in joint ownership, or it will be apparent from other information that the couple form a common household, then the costs of household and housing are evaluated by the bank for both partners and children, regardless of whether only one applies to the loanpair.

Exceptions exist

Of course, there may be situations where it may prove to be more appropriate for a mortgage to apply only one of the couple."In addition to income, all obligations of both applicants will enter the payment capacity, which in some cases can influence the loan negatively," says Patrik Madle, spokesperson of ČSOB Group.If one partners are more indebted, paradoxically, the partner could reduce the limit of the mortgage.

A more complicated situation may sometimes occur when one of the partners is significantly older.But not always.“There are banks for which the limit age is up to 75 years of age at the time of the mortgage.Others can count on the income of the younger partners, ”explains Ondřej Hroneš, Mortgage Advisor Bidli.

I take my mortgage myself

Usually, essential obstacles do not expect even those who decide to apply for a loan as an individual.And it doesn't matter whether they live in a pair or themselves.Just such an applicant must count on the fact that he will have to meet all the conditions of the bank himself.

An obstacle does not have to be a low age when a person has only a short work history."We generally accept income from dependent activities if the applicant is not in the probationary period or notice period and will prove the history of income for at least three previous months," Madle describes.

Even a young person on a mortgage can achieve.Thus, the decisive factors will not be age, it will primarily depend on the overall risk of a specific application that is based on the internal information of the Bank about the client, the history of repayment from registers, socio -demographic data and the like.

Sometimes the lower age can even be a plus."Some banks favor young clients if they want to buy their first property, for example, a higher LTV allowed," Hroneš points out.

Mortgage may not be afraid to ask for single parents.As Pavel Jirák emphasizes, the position of single parents in itself is a disadvantage in terms of housing loan, as in other cases I play the role of income and expenses.In addition, there are, of course, the cost of nourished children.On the other hand, the child is entrusted to the exclusive care of one of the parents but also the obligation to pay the maintenance of the other of the parent."So if a parent is also asking for a loan who is also a recipient of maintenance, we can take it into account in creditworthiness," says Madle.He adds that they individually approach the calculation of household expenditure in the case of alternated care, or if the loan applies to the parent to whom the child has not been entrusted to care, but is obliged to pay maintenance.