However, the key question is who should be the "main lender"? What should a couple pay attention to when they borrow money to buy a house?
Choosing "main loan and sub-loan" is very particular.
For "* * * the same lender", it is not only required to be the immediate family members of the lender (husband and wife, children and parents), but also to be one of the property owners of the housing loan mortgage. But this one is an exception for couples, even if
There is only one name of the husband and wife on the real estate license, and the other party can also be the "* * * lender" of the housing loan. Therefore, when determining the primary lender and the secondary lender, it needs to be determined according to the following three main situations.
When determining the main lender, the person with high and stable income between husband and wife should be selected.
Generally speaking, the purpose of a husband and wife * * * having a loan is to reduce the repayment pressure on the one hand, and it is difficult to obtain a bank loan only by one party's qualification on the other hand, so they will choose * * * to have a loan.
For example, many banks now require that the monthly repayment amount should not exceed half of the lender's monthly income when approving housing loans. For example, the housing loan applied by Xiao Ming's family needs to be paid back 3500 yuan per month, and
Xiaomingyue's income is about 6000 yuan, which can't meet this requirement of the bank. But Xiaoming also has his wife Xiaohong, who works in an educational institution. Although her monthly income is not high, only about 2,500 yuan, if Xiaohong can work,
If "* * * comes to borrow money from the lender", this problem will be solved. Because the monthly income of the two lenders reaches 8500 yuan, which is twice the monthly repayment amount of more than 7000 yuan, which is consistent with the bank.
The basic requirements for issuing loans have greatly improved the approval rate of mortgage loans.
Secondly, we should choose the party with good credit information as the main lender.
First of all, it must be clear that since both husband and wife will apply for mortgage on a family basis, as long as one party has problems with credit information, it will affect the approval of mortgage. But the difference is that there is something wrong with the credit record of the main lender, and the bank will definitely not accept the loan application. Even if it is acceptable, the loan amount and interest rate will be affected.
If the party with good credit information is selected as the main lender, the secondary lender needs to pay off the arrears and overdue fine before shenqing. Although the loan amount and interest rate will also be affected, due to the good credit information of the main lender, the loan approval rate can be improved.
In addition, we should pay attention to the age limit.
According to the provisions of most banks' personal loans, the age limit for loans in China is 18 years old and under 65 years old. If one of them is older, it may exceed the fixed number of years set by the bank at the time of handling, because in China,
Whether it is a commercial loan or a provident fund loan, the longest loan period is 30 years, and most banks stipulate that the sum of the borrower's age and the loan application period should not exceed 70 years in principle.
Matters needing attention in the process of buying a house with the same loan for husband and wife
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, all of which require both husband and wife to be present at the same time. Generally speaking, when buying a house, the names of two people should be written on the property certificate.
If one of them is older, it may exceed the fixed number of years stipulated by the bank, because in China, the longest loan period is 30 years for both commercial loans and provident fund loans, and most banks
The rule is to be present; If one party cannot handle it on the spot, it must go through the notarization authorization procedures.
When applying for a mortgage and handling the transfer formalities, both parties also need to be present in person.
I would like to remind buyers that when applying for a mortgage, they sometimes apply in the name of husband and wife, so banks need to review the qualifications of both parties and sign at the same time when handling relevant procedures.
When going through the transfer formalities, it is required to be present at the same time in principle.
Because according to the property law, whether the property jointly purchased by husband and wife is owned by * * * and * * * or * * * needs to be reflected in the sales contract and then stated in the property ownership certificate, so 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.
Clever use of the main lender can reduce the repayment risk.
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 and collapse, the insurance company shall bear the property losses; There is also a loan repayment guarantee liability insurance.
However, if we look at the insurance clauses carefully, we can see that the repayment guarantee liability insurance is only for the "main lender" in case of accident or disability. If the lender dies or is disabled in the accident, the insurance company will also
Bear the remaining repayment responsibility. Therefore, when choosing the main lender, we must choose the pillar of the family as the main lender, so that the insurance company can bear the remaining loans when there is an accident in the house.
How to deal with mortgage debt when marriage hits the rocks
Because the husband and wife borrow money to buy a house, what is the share of real estate? However, the determination of the share needs to distinguish between different situations. In principle, the houses purchased after marriage belong to the same property and should be distributed equally, or the shares can be determined by both parties through consultation.
However, it should be noted that just as the property acquired by married couples belongs to the same property, their debts after marriage are also the same debt. Whether it is a "master lender" or not, whether they have jointly applied for a housing loan, both husband and wife have repaid it.
The obligation of housing loan. Only when the property is judged to be owned by the divorced party, the party who is the "same lender" can ask the housing lender to change and cancel its repayment obligation. If unilaterally recognized
Because he didn't participate in the loan contract, he didn't have to continue to perform his debt repayment obligations, which is undoubtedly his misunderstanding of the housing loan.
Finally, I want to say that both husband and wife must first find out the "main lender" and "repayment person" in the same loan to avoid unnecessary misunderstanding. Then, get to know some benefits of both husband and wife buying a house together for housing loans, whether it is commercial loans or provident fund loans, although it is more troublesome and diverse than one person's loan procedures.
(The above answers were published on 20 16-07-26. Please refer to the actual situation for the current purchase policy. )
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