There are still many young people buying houses. After all, young people want to get a house through their own efforts, but it is almost impossible to buy a house in full. After all, buying a house loan makes both parties feel that there is not much pressure, so they apply for a loan. However, if they apply for a loan, some people say that they need both parties to be present when they are married. Then let me introduce you. Do you need both husband and wife to buy a house and apply for a loan? Who is more suitable for the husband and wife to buy a house as the main lender?
Do you need both husband and wife to come to buy a house and apply for a loan?
1. Both husband and wife should go to the scene to go through the loan formalities, because if the buyer and seller are husband and wife on the house purchase contract at the time of purchase, then two people must be present to sign it at the same time, and the real estate license to be handled in the future will have the names of the husband and wife on it, which is called * * * with property.
2. If only one party's name is written on the house purchase agreement when buying a house, whose name is written on it must be signed by the other party, and the other party does not need to sign it. However, when buying a house with a loan, both husband and wife or two people need to sign the loan contract.
3. In the whole process of buying a house, it is necessary to sign a contract or apply for a mortgage, and go through the formalities of transaction transfer, all of which require both husband and wife to be present at the same time. According to the provisions of the Civil Code, whether the house purchased by husband and wife belongs to * * * or is owned by * * * will be reflected in the contract, and it also needs to be indicated on the real estate license. At that time, both parties should be present to sign for confirmation. If there is no way to be present, they can go through the entrustment formalities.
who is more suitable as the principal lender for a couple to buy a house
1. If they buy a house loan in the name of both husband and wife, it is related to who is the principal lender and who is the sub-lender, which will be directly related to future repayment.
2. Who is the main lender among the two people can choose the one with better credit information as the main lender. Banks also need to be audited when handling loans. If one party's loan credit report is good, it will be approved smoothly. At the same time, choosing the main lender is more inclined to choose the party with higher income and stable job, because his repayment ability is stronger, avoiding the risk of capital fracture. As a sub-lender, it plays a supplementary role.
3. The principal lender can also be selected according to the age, and the younger one is more inclined to be the principal lender, thus reducing the complexity of the loan.
the above is what I introduced. do you need both husband and wife to buy a house and apply for a loan? Who is more suitable for the husband and wife to buy a house as the main lender? Some people think it's easy to get a house loan, as long as we apply for mortgage to buy a house. In fact, there are still many problems in the process of loan. If we don't know in advance, it's easy to step on the pit and delay too much time in the process.