1. Is it okay for a couple to have only one bank account for a house loan?

Yes, couples are one family. Therefore, some banks' mortgage loans depend on a person's income flow, mainly a stable job income, which banks value, and no bad records.

2. Is it okay for a couple to have only one bank account for a house loan?

Generally, this is not allowed. Loans after marriage require the spouse’s salary turnover! However, some banks can relax it if it is more than twice the amount.

3. Can one person apply for a loan to buy a house?

Both husband and wife need bank statements to buy a house. If one party meets the requirements, it is fine. If the wife is not working, she cannot provide proof of income. The husband needs to provide proof of income that meets the bank's requirements. The real estate certificate can be written The names of the two people.

Please refer to the bank’s mortgage loan regulations as follows:

First-hand mortgage loan

Loan procedures require: identity certificates of both borrowers and spouses, household register, marriage certificate, House ownership certificate (sale and purchase contract), land certificate (or copy), house ownership certificate, unit income certificate, and guarantee certificate from the guarantee company.

Second-hand house mortgage loan procedures require: identity certificates of the buyer and seller, household register, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax stamp, appraisal report, income of the buyer and his wife Proof and proof of no housing.

4. A couple buys a house, and they both work in public institutions. Now they want to apply for a mortgage, and only one person’s...

Bank statements mainly look at your monthly income. How much is usually at least 2.5 times your monthly loan repayment, and it lasts for half a year. That is to say, if you have to repay 1,000 yuan every month, then your bank card must have a credit of 2,500 yuan every month. If If one bank card is not enough for you, then you can use multiple bank cards together. If it is not enough, then start running the business from now on. You can deposit and withdraw money frequently and repeat the operation.