With the development of the times, the gold content of the name on the title deed seems to become less important. In the past, "who is written in the house book" has become a hot topic inside and outside the family, and the rights and interests of couples, spouses, and even family members may revolve around this core. However, with the introduction of new regulations, old ideas may need to be updated.
When it comes to debts and liabilities, the title deed name is not an absolute factor. In the past, it was widely believed that whoever wrote the name on the title deed was responsible for the debt. In fact, even if the title deed is written in the name of one party, if the debt arises in the course of living together, the other party may still be obligated to repay it jointly.
When it comes to property division, many people are concerned that in the case of divorce and other situations, the name of the title deed will affect the ownership of the property. However, according to the latest legal interpretation, even if only one party's name is registered in the real estate certificate, as long as it is the joint property of the husband and wife, the other party still has the right to divide it. This means that regardless of who is written on the title deed, the division of property is more focused on the joint contribution during the marriage.
Insurance planning is also closely related to the name of the title deed. Buyers often consider the option of using the property as an insurance beneficiary. But in reality, the beneficiary of the insurance contract can be different from the title deed in name. You can choose to write the title deed in the name of one person and set the beneficiary of the insurance benefit to the other members of the family, so that even if something unfortunate happens, you can still protect the interests of your family.
Finally, the name of the property is important, but legal protection is the key. Although the name on the title deed represents the registered owner of the property, there are numerous legal provisions that protect the rights and interests of those who are not registered. For example, in the case of joint purchase but not joint registration, the unregistered party can still protect its rights in accordance with the law.
As a result, the importance of the name on the title deed has decreased compared to what it used to be. Under the new legal framework, your rights and interests can be protected even if your name is not on the title deed. For those who are planning to buy a home, it is crucial to understand these regulations and plan the property registration and related finances reasonably. In the journey of real estate investment, the name is just the tip of the iceberg, and the protection of the law is the real talisman.