Legal analysis: A husband and wife can't provide only one party's information when they borrow money to buy a house, because banks need to review the family's repayment ability and credit status when they apply for a mortgage for married people, so they need to provide the information of both husband and wife. Such as identity cards, household registration books, marriage certificates, etc. Both parties shall provide these identity information materials to the bank. Husband and wife need to sign the loan to buy a house. Only one party can sign the contract. After all, the house bought after marriage belongs to both husband and wife, and the mortgage is the debt of both husband and wife.
Legal basis: Article 5 of the Measures for the Administration of Individual Housing Loans shall meet the following conditions at the same time:
1. Have permanent residence or valid residence status in cities and towns;
Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;
Three, with the purchase of housing contracts or agreements;
Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;
Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;
6. Other conditions stipulated by the lender.
After marriage, husband and wife buy a house together, can they borrow money for one person?
Yes, one is the main lender and the other is the same lender. At present, the most common loan is to buy a house, but whether it is a commercial loan or a provident fund loan, there are certain loan quota restrictions and repayment requirements. The lender's income is twice the monthly repayment.
What matters should be paid attention to when buying a house with a husband and wife loan:
1. Materials needed to prepare a house with a * * * loan:
A. ID card (double-sided for 2nd generation);
B, household registration book (home page, index page, personal page);
C, proof of income (provided by the bank, only need to stamp the unit seal on it);
D. purchase contract;
E. marriage certificate;
F, down payment receipt.
Among them, ID card, household registration book, marriage certificate and down payment receipt need to be copied in triplicate.
2. Both parties shall attend the formalities.
If the contract is signed by both husband and wife, both parties need to be present in person when signing the contract. If one party cannot attend, it must go through the formalities of notarization and authorization.
When applying for mortgage loan, both parties need to be present in person.
When applying for a mortgage, they sometimes apply together in the name of husband and wife, so the bank needs to examine the qualifications of both of them at the same time and must sign at the same time when handling relevant procedures.
Extended data:
Houses purchased by husband and wife after marriage generally belong to the common property of husband and wife, except for special provisions. Even if only the name of the husband or wife is registered on the real estate license, it does not affect the determination that the house is the joint property of husband and wife.
Whether one of the spouses is the "main lender" or not, both spouses have the obligation to repay the housing loan. Only when the divorced party judges the real estate can it make a request to change the house lender and relieve the obligation of repaying the loan.
Therefore, the debt arising from the housing loan is also the same debt of the husband and wife, which needs to be repaid by the husband and wife together, so of course it needs to be signed by both parties. Generally speaking, if you buy a house with a loan after marriage, no matter whether the buyer is husband and wife or both parties, you must sign a loan contract.