TIC本来是给非夫妻这种关系的人准备的，而是给合伙投资的人。比如你现在手上有一些闲钱要买房投资，但是看上的房又买不起，然后碰巧我也有些闲钱，也是自己买房不够，于是我们决定合伙买一套来投资，决定你占70%我占30%，这样才会有TIC。两个人分得清楚，各自有各自的灵活性，我那天高兴了把那30%卖了完全没问题。
如果房贷不按照所有权比例的话，比如一共贷款80%，你负责10%贷款我负责70%，那么：
1. 是不是我还不起贷款了你的70%也要收回？那你的权益谁来保证？
2. 是不是你把10%贷款还清了就可以把70%的所有权卖出去？这样岂非等于可以从房屋贷款套现？
如果以上两个都不是，那根本就是两个人同进同退，跟JT没有什么本质区别了。同进退的话自然选择JT，省去了很多麻烦。
看这个Jointly Liable和Severally Liable的区别
Jointly Liable
When two people are jointly liable, each is individually liable for whatever debt or obligation they have together. For example, if spouses both sign for a mortgage loan, they are jointly liable for the amount of the loan. Thus, if one spouse passes away, the other is liable for any remaining amount. When two partners are jointly liable for a debt and a creditor sues one partner and receives the full amount, the creditor does not have a right to later sue the other partner.
Severally Liable
Several liability is the opposite of joint liability. When two or more partners obtain a loan for which they are severally liable, each partner is only liable for their own obligation. For example, if three business partners co-borrow money for their small business and the loan agreement states that they are only severally liable, the lender may only sue the partner who fails to fulfill his obligation.
When two people are jointly liable, each is individually liable for whatever debt or obligation they have together. For example, if spouses both sign for a mortgage loan, they are jointly liable for the amount of the loan. Thus, if one spouse passes away, the other is liable for any remaining amount. When two partners are jointly liable for a debt and a creditor sues one partner and receives the full amount, the creditor does not have a right to later sue the other partner.
Severally Liable
Several liability is the opposite of joint liability. When two or more partners obtain a loan for which they are severally liable, each partner is only liable for their own obligation. For example, if three business partners co-borrow money for their small business and the loan agreement states that they are only severally liable, the lender may only sue the partner who fails to fulfill his obligation.
Huasing Association 1999 - 2013