When a bank handles a loan, it will ask the borrower to provide true information about the business activities and financial situation related to the loan, and the borrower shall provide it, and the lender will check the borrower's credit information. Therefore, when the wife handles the loan, the lender will find the wife's credit problem. As long as the wife's credit is good, even if the husband's credit is not very good, the bank will still handle the house loan. Buying a house by loan means borrowing money from a bank to buy a house by mortgage. It means that the purchaser applies for a loan from the bank to pay the purchase price with the building in the house transaction as collateral, and then the purchaser pays the principal and interest to the bank in installments. The main contents of the subscription book signed by the loan house purchase include:
1. Subscribe for real estate;
2. House price, including apartment type, area, unit price (currency), total price, etc.
3. Payment methods, including one-time payment, installment payment and mortgage payment;
4 subscription conditions, including matters needing attention in the subscription book, deposit, time of formal treaty evaluation, place of payment, account, signing place, etc.
After the subscription book is signed, the seller should also issue a Notice of Signing to the buyer, so that the buyer can understand the following details. Only when buyers understand the contents can they successfully sign the purchase contract, including the signing place, the certificates that buyers should bring, the certificate of power of attorney when signing the contract by entrusting others, the explanation of loan voucher, and the explanation of paying relevant taxes and fees. Within 30 days after the pre-sale contract of commercial housing or the house sales contract signed by the buyers and sellers takes effect according to law, both parties shall go to the real estate property registration department to handle the real estate ownership certificate.
legal ground
People's Republic of China (PRC) Civil Code
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.
credit reporting industry regulations
Article 18 Anyone who inquires personal information from a credit reporting agency shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent.
Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.