Loss of first-time home buyer benefits
There are many benefits for first-time home buyers, but once a marriage is registered, these benefits are often calculated based on the couple as a unit. If one spouse has already purchased a home, the other may lose eligibility for first-time buyer benefits, including special housing supply programs, tax reductions, and lower loan interest rates.
Higher taxes due to multiple home ownership
If each person owns a home before marriage, registering the marriage can classify the couple as multiple homeowners. This usually results in higher tax rates compared to a single-home household. Although some grace periods may apply after marriage registration, tax rules become stricter over time.
Reduced loan eligibility with combined income
When applying for loans, combined household income is considered after marriage. In some cases, this can lead to higher interest rates or reduced eligibility, since income limits for couples are often not much higher than those for single applicants.
The difficulty of separation
Divorce is generally more complex than expected. Property division and financial disputes can be major challenges, and divorce usually requires mutual agreement or legal procedures. Unlike non-registered relationships, ending a legal marriage is not always simple or quick.
Lasting records after divorce
Even after a divorce, records of the marriage may remain in official documents. This can feel uncomfortable for some people, as the past relationship may continue to appear in personal records long after it has ended. As portrayed in the drama :contentReference[oaicite:0]{index=0}, divorce can leave emotional and administrative traces that linger longer than expected.