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Second, what should I do if there is a problem with the credit information of both husband and wife?

What if there is a problem with the credit information of both husband and wife?

We all know that if you want to buy a house, you need to look at your own credit information, and if you want to buy a house, you need to look at the credit information of both parties. Once one party has a credit problem, you will be in trouble. What should I do if there is a problem with the husband and wife's credit information?

What should a husband and wife do if there is a problem with the purchase credit? 1 If both husband and wife buy a house together, it is generally necessary to review their credit information, so if one husband and wife has poor credit information, the other can apply for a loan as the main lender. After all, the bank mainly considers the credit information of the main lender.

Therefore, if you apply for a loan in this way, as long as the main lender's credit information is good and the other party's credit information problem is not big, there is still a chance to successfully apply for a loan.

If the other party's credit information is poor, it is difficult for the main lender to successfully apply for a loan no matter how good the credit information is.

After all, although the bank mainly considers the credit information of the main lender, as the same lender, it will also evaluate the credit information of the other party. Therefore, if the other party's credit information is very bad, the bank will doubt the family's repayment ability and credit, and the possibility of rejecting the loan application is very high.

How can we improve the loan success rate?

1. Select the one with higher income as the main lender:

When reviewing the borrower's information, the bank usually judges whether the borrower has the repayment ability through the borrower's income certificate or the bank's running water. Therefore, choosing the party with high income as the main lender will be more conducive to obtaining high loans.

2. Choose the one with strong stability as the main lender:

If one of the spouses is a civil servant, an employee of a state-owned enterprise or an employee of a public institution, the success rate of applying for a loan will be higher. After all, these occupations are more stable, naturally more favored by banks, and the loan amount will be higher!

3. Choose the younger one as the main lender:

The age of the principal lender is related to the loan term. At present, the longest loan period for buying a house is 30 years, but the general bank will require that the sum of the borrower's age and loan period should not exceed 65 years old, which means that you can apply for the longest loan period before 35 years old. Therefore, the younger the main lender, the longer the loan period.

What should couples do if there is a problem with buying a house? 2. What if the husband and wife buy a house and the credit information is not good?

1, recent credit problems:

If the problem of' credit reporting' only appeared recently when one spouse applied for a loan, it is suggested that you pay off the arrears as soon as possible, and negotiate with the defaulting bank or other financial institutions to ask whether the bank can cancel the credit default record after paying off the default amount.

2. Previous credit problems:

If the personal credit problem occurred a long time ago, then you can check the time when the last default occurred. If the number of defaults is small and the default time is many years ago, then generally speaking, a person's credit record is only kept for five years, and it will be automatically eliminated after five years.

Of course, the premise is that you have repaid the default amount. If you don't return it, you may be included in the old list. In that case, your credit status will be even worse. Therefore, property buyers can check that if the default time is almost five years, they can wait until five years later to automatically eliminate the loan.

3. Borrow money from relatives and friends:

If a couple buys a house, one party's credit problem affects the loan, then the buyer can ask his relatives and friends to help him borrow some to buy a house at this time, but if the difference is too big, then more relatives and friends need to borrow money.

Second, what should couples pay attention to when buying a house with a loan?

1, the procedures should be complete:

If both parties want to apply for a mortgage together, they need to provide proof of income of both husband and wife. Of course, when applying for a mortgage loan, if one of the parties has a high income, it is not a problem to pass the qualification examination and approval, and the income certificate of the other party is not needed.

2. Both parties must be present when handling the real estate formalities;

The signing parties attended in person. In the process of buying a house, many signing processes are involved, such as signing a sales contract, handling a mortgage, and transferring transactions, which require both husband and wife to be present at the same time. Under normal circumstances, when * * * buys a house, the names of two people should be stated on the real estate license, and both parties should be present in person. If one party cannot attend, it must go through the formalities of notarization and authorization.

3. Prospective couples need to reach an agreement on the share of real estate:

Under normal circumstances, if the husband and wife have got a marriage certificate, then the property is generally divided equally. However, in real life, many prospective couples will buy a new house before marriage, so it is impossible for both parties to buy a house in the same property without a marriage certificate.

4, housing property rights change registration:

Some couples agreed to buy a house together. Because the man paid a lot of money, the name of the man was written on the real estate license. But after marriage, I hope that the woman will ask the family for some funds to repay the mortgage in advance. In this case, it should be noted that the ownership of real estate stipulated in China's property law is subject to registration. If there is no agreement between the repayment parties in the relevant contract, the ownership of the house still belongs to the man because the name of the man is written on the real estate license.

If the husband and wife buy a house together, they will generally need to review their credit information, so if one party's credit information is not good, then the other party can apply for a loan as the main lender. After all, the bank mainly considers the credit information of the main lender. Therefore, if you apply for a loan in this way, as long as the main lender's credit information is good and the other party's credit information problem is not big, there is still a chance to successfully apply for a loan.

What should couples do if there is a problem with buying a house? What about the poor credit information of husband and wife's house loan?

Recent credit problems:

If one of the spouses has a credit problem recently, we suggest that you repay the loan as soon as possible, negotiate with the defaulting bank or other financial institutions, and ask the bank whether it can cancel the credit default record after paying off the default amount.

Borrow money from relatives and friends:

If the credit information of one spouse has a great influence on the loan, then the property buyers can borrow some from their relatives and friends for a long time to buy the house, but if the difference is too big, then they need to borrow more from several relatives and friends.

What behaviors affect personal credit reporting?

1, credit card overdue

It is convenient for people to apply for credit cards now, so there are many people with credit cards now. However, after using the credit card, they must repay the loan on time, otherwise it will be overdue. Once the credit card is overdue, it will affect personal credit information. Therefore, we should pay attention to this when using credit cards. Generally speaking, three or six consecutive overdue credit cards within two years, or the overdraft consumption is not returned, will affect personal credit information.

2. Too many credit inquiries.

If you need to go to the bank to apply for a loan when buying a house, then everyone will definitely check their credit information before applying for a loan, and some people will check it more than once, but too many times of checking the credit information records will also affect personal credit information. Because of the number of inquiries, which banks make inquiries, the purpose of inquiries, etc. , all objectively reflect the customer's credit level. If there is only one loan in your name, but it is inquired by many banks, then the banks have reason to suspect that your repayment ability is not good and you are regarded as a risky customer.

3, the debt is too high

At present, there are many channels for people to apply for loans, so some people will apply for loans outside banks, but if they want to apply for mortgages, they must only go through banks. General banks will also examine the repayment ability and liabilities of buyers when approving loans from buyers, so banks can also inquire about the loan records of people in other places. If the bank finds that your debt ratio is too high, reaching more than 70% of your personal income, it will question its repayment ability and it is difficult to apply for a loan.

What if the husband and wife buy a house loan and one party has a problem with credit information? What behaviors affect personal credit reporting? The above article is about related issues in this respect. If you want to apply for a mortgage, the bank will definitely check your credit information, so you must protect your credit information at ordinary times and never do anything that will damage your credit information.

Third, the second-hand housing down payment and deposit have been paid. What should I do if the bank loan fails due to personal credit investigation?

It will be handled according to the reasons why the mortgage can't be done. In the trial of a contract, the agreement in the contract will generally be given priority. Therefore, it is the most important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved. If there is no agreement or the agreement is not clear, it shall be handled according to the following principles:

1. developer's reason: if a developer sells a house that is not qualified for sale, that is, if the developer fails to obtain a pre-sale permit or sells an existing house that is not qualified for use, the bank will not grant a loan when reviewing this situation. At this point, the buyer can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.

2. Reasons for the buyer: If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not approve the loan, and the buyer will be liable for breach of contract.

3. Non-buyer's reasons: if the bank mortgage loan is postponed, the loan amount is reduced or cannot be processed, both parties will generally have a supplementary contract or agreement, stipulating that the buyer will choose, or the buyer will pay the purchase price within a certain period of time, or the buyer has the right to terminate the contract; If the house payment is not paid within the time limit, the developer has the right to terminate the contract.