With the soaring housing prices, people are under increasing pressure to buy a house, so many families have to rely on joint loans from husband and wife to realize their dream of buying a house. And both husband and wife provident fund loans to buy a house is a way that wage earners prefer. Then the problem is coming. What are the precautions for husband and wife to buy a house with a common provident fund loan? What information do you need to prepare? Who is more suitable as the "main lender"? And once there is a problem in marriage, what about the related division of responsibilities? Next, Bian Xiao will answer these related questions for you.
1. What is the maximum amount of common provident fund loans for both husband and wife?
The formula for calculating the maximum loanable amount is: the monthly income of the borrower's family (monthly income = the monthly contribution of the employee's individual housing provident fund ÷ the contribution ratio of the employee's housing provident fund), the balance after deducting the monthly living expenses of at least 400 yuan, and then dividing it by the monthly repayment amount of the loan per 10,000 yuan during the loan application period, which is the maximum loanable amount. The following is the maximum amount of provident fund loans for individuals and couples in major cities across the country.
Second, the husband and wife jointly borrowed money to buy a house.
1, ID card (double-sided for 2nd generation)
2. Household registration book: home page, index page and personal page.
3. proof of income: provided by the bank, only need to stamp the unit seal on it.
4. Purchase contract
5, marriage certificate: just take one.
6. down payment receipt
1, 2, 5, 6, all copies are usually in triplicate.
Third, matters needing attention in the process of handling the joint loan of husband and wife to buy a house
1. The signing parties are present in person: In the process of buying a house, many signing processes will be involved, such as signing a sales contract, applying for a mortgage loan, and transferring the transaction, which requires both husband and wife to be present at the same time. Under normal circumstances, when buying a house together, the names of two people should be written on the real estate license, and both parties should be present in person; If one party cannot go through the formalities on the spot, it must go through the notarization authorization procedures.
1. In addition to signing the real estate sales contract, both parties need to be present in person when applying for mortgage and handling the transfer formalities. Experts explained that when applying for a mortgage, sometimes they will apply together in the name of husband and wife, so the bank needs to examine the qualifications of both parties and sign at the same time when handling relevant procedures.
3. When handling the transfer formalities, in principle, it is required to be present at the same time, because according to the Property Law, whether the property jointly purchased by husband and wife is jointly owned or shared by shares needs to be reflected in the sales contract and then stated in the real estate license. Therefore, both parties need to be present to sign and confirm. However, if you can't be present, you must also go through notarization and entrustment procedures and explain related matters.
Fourth, the advantages of the joint loan of husband and wife provident fund to buy a house.
Why set up the "co-borrower"? The main reason is that couples can jointly apply for housing loans, which can increase the amount of provident fund loans. At present, many banks require that the monthly repayment amount should not exceed half of the lender's monthly income when approving housing loans.
In addition, compared with commercial housing loans, the interest rate of provident fund loans is low 1.07 percentage points. When husband and wife jointly apply for housing loans, the proportion of provident fund loans that can be used will increase, and the interest paid for housing loans will naturally decrease.
5. Who is more suitable as the "main lender" of the joint loan of husband and wife provident fund?
"Principal loan" and "participating loan" are both nonstandard terms. In the housing loan contract of a bank, only one of the husband and wife is generally designated as the "lender" and the other party can be regarded as the "co-lender". For the "co-lender", it is not only required to be the immediate family members (husband and wife, children and parents) of the "lender", but also to be one of the owners of the housing loan mortgaged property. However, this article is an exception for couples. Even if only one party has a name on the real estate license, the other party can be the "co-lender" of the housing loan.
Go to the loan together, but the details involved in the housing loan are also worthy of careful consideration by many couples, and the comprehensive insurance of housing mortgage loan is one of them. Looking carefully at the insurance clauses, we can see that the liability insurance of repayment insurance only covers the accident or disability of the "main lender".
When signing a housing loan contract, the bank requires the lender to purchase comprehensive insurance for housing mortgage loans. This comprehensive insurance covers two aspects. One is property damage insurance. When the mortgaged property suffers property losses within the prescribed scope, such as fire, storm, collapse, etc., the insurance company shall bear the property losses; There is also a loan repayment guarantee liability insurance. If the lender dies or is disabled in the accident, the insurance company will also bear the remaining loan repayment responsibilities. Therefore, when choosing the main lender, we must choose the family pillar as the main lender, so that when the house has an accident, the insurance company can bear the remaining loan.
Sixth? Matters needing attention in buying a house through the joint loan of intermediary husband and wife
1. The intermediary operates without a license. Most of these institutions have no fixed places, and when problems arise, they will move, making it impossible for consumers to complain. Therefore, consumers should first check whether there is a real estate intermediary service qualification certificate.
2. There is both commission and price difference. The purchaser signs a contract with the intermediary to buy the house, and the intermediary buys the house at a price lower than that negotiated with the client, and collects the price difference that both parties do not know.
3. The intermediary colluded with the owner to make the transaction fall through. In order to attract buyers or tenants, some intermediaries collude with owners to trick buyers or tenants into taking the bait. After the buyer or tenant pays the commission or even the deposit, they fabricate various reasons to make the transaction fail.
7. Who will bear the debt after the marriage hits the rocks?
Once a marriage expert found through investigation that the divorce rate of couples who borrowed money to buy a house was relatively low. This conclusion is ridiculous at first glance, but when you think about it carefully, it is true. Involving the common economic burden, family disintegration may face more practical difficulties, and how to jointly solve the housing loan problem is one of them.
After a "Chinese divorce", Mr. Huang ended his marriage with his wife 10 years. In the division of property, Mr. Huang thought that the housing loan was applied in the name of his ex-wife, and he was neither the "main lender" nor a co-participant in the loan. There is no legal obligation to repay this debt, and the outstanding housing loan of 200,000 yuan should be repaid by the ex-wife. Is that really the case? If there is no name on the loan contract, don't you have to bear the obligation of debt repayment? The answer is obviously no.
Just as the property acquired by husband and wife after marriage belongs to common property, the debts they bear after marriage are also common debts. Whether Mr. Huang is the "main lender" or not, whether or not he has jointly applied for a housing loan, he is obliged to repay the housing loan. Only when the property is determined to be owned by the divorced party can Mr. Huang request to change the housing lender and exempt himself from the obligation to repay the loan. If he unilaterally thinks that he has not participated in the loan contract, he does not have to continue to fulfill his debt repayment obligations, which is undoubtedly his misunderstanding of the housing loan.
The above six points must have answered your doubts about the joint loan of husband and wife provident fund to buy a house. The common loan of husband and wife provident fund can increase the loan amount and the loan interest rate is low, so it is highly praised by many couples. However, when determining the joint loan to buy a house, we should also pay attention to the above problems and use the "main lender" to buy a house skillfully, so as to reduce the losses caused by man-made disasters.
(The above answers were published on 20 16- 12-27. Please refer to the actual housing purchase restriction policy. )
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