Ce se întâmplă cu locuința cumpărată prin credit la divorț. Când rămâne bun propriu și când se împarte între soți

The ownership of a home purchased with a mortgage during marriage can be complex during divorce. Generally, properties acquired during marriage are considered joint assets, regardless of whose name is on the mortgage. If a property was bought before marriage, it typically remains the sole property of the purchasing spouse, even if joint funds were used for mortgage payments. Exceptions exist, such as when one spouse uses inherited or gifted money for the down payment. Homes bought under government programs like "Prima Casă" are usually joint assets if acquired during marriage. The division of property value at divorce considers the current market value minus any remaining mortgage balance, not just the purchase price. Ultimately, various factors influence property rights, including the timing of purchase and financial contributions.