1. There are many benefits to “first-time home purchase in life,” but if the person who registered the marriage has already used it, the other person cannot use it.
For example, if a married person already has a history of buying a house, even I will be tied up and not be able to receive the benefits of buying a house for the first time in my life. It will probably be excluded from the newlyweds’ special attack. For the first time in life, there are quite a lot of benefits than expected, but if you don’t register your marriage, you can enjoy these benefits such as special supply, 50% reduction in acquisition tax, and loan interest reduction, but not when you register your marriage.
2. If each person has one house, they become multiple homeowners, and the tax rate rises.
This, too, is an economic community when a legal couple becomes a legal couple, so it seems to be a principle that they become multiple homeowners even if they each have one house. If a single resident marries another single resident and owns one household and two houses, he or she must pay taxes on a two-home basis. There is a significant difference in tax rates between one resident and two residential residents, and they are willing to allow five years after marriage registration, but after that, they are strict.
3. When taking out various loans, the interest rate increases if the couple has a large combined income.
For example, in the case of Loan of the Housing Finance Corporation, a single-person household can receive a loan if its annual income is less than 70 million won, but if it becomes a couple, the total annual income must be less than 85 million won. I think it means that one person shouldn’t work when they become a couple.
4. Breaking up is troublesome.
Of course, divorce often goes through a more complicated process than expected. The dispute over property rights in the process of collapsing the economic community is also likely to be the biggest drawback. Divorce is not something that one side can do at will, so it feels like, “It’s up to you when you come in, but not when you go out.” This is different from couples who are not legal couples in that divorce is possible only when the agreement is well reached because the two are married by agreement. If you didn’t register your marriage, you would break up if one side unilaterally said, “Let’s break up,” but the process of breaking up with a legal couple is not that simple. In some cases, even if one side wants to quit their marriage, they cannot legally do so, so this may be a disadvantage or an advantage depending on the situation.
5. Divorce will go on forever.
It would be quite annoying if the other person divorced because it became a name he wanted to erase forever in his life. Even if you don’t want to think about it again, you’ll find the name in my personal information documents sometimes. In the 2006 drama “The Age of Love,” heroine Eun-ho introduces her divorced ex-husband Dong-jin to a friend as “a man who defiled my family register.”