However, whether it is a first-class lender or a second-class lender, as long as the house is bought after marriage, it is the property jointly owned by both husband and wife, and there is no problem of uneven interests, so there is no need to entangle who is the first-class and who is the second-class. According to the provisions of the Marriage Law: "The property acquired by husband and wife during the marriage relationship shall be jointly owned by husband and wife, unless otherwise agreed by both parties." Therefore, in the process of buying a house together, even if the name of the other party does not appear on the property certificate, it will not affect its ownership of the house.

1. Who is more suitable as the main lender?

1, choose stable and high income. When lending money, the lender needs to provide bank running water, and the general lending conditions of banks are twice or 2.5 times that of monthly bank running water. Therefore, the main lender should choose the party with higher salary. 2. Select credit information. Before the loan, the bank will check the personal credit information of both husband and wife. Generally speaking, the party with good credit information should be regarded as the main lender, because when the husband and wife jointly borrow money to buy a house, as long as one party's credit information has problems, it will affect the approval of mortgage loans. Therefore, if there is a problem with the credit record of the main lender, the bank will generally not accept the loan application. If the credit information of the main lender is good, the "co-lender" has some credit information problems, which have been solved later and generally will not affect the bank's loan issuance. 3. Choose a stable company. If some of the spouses are civil servants, employees of public institutions and state-owned enterprises, and occupations such as doctors and teachers are very popular with banks, the main lender should choose a more stable occupation.

Second, some misunderstandings about the main lender.

1. All mortgage loans shall be borne by the main lender. Whether they are the main lenders or not, as long as they jointly apply for a housing loan, they are obliged to repay the mortgage loan, which is the same as the property acquired by the husband and wife, and the husband and wife debt of the patient is also a joint debt. 2. Does the main lender own a larger share of house property rights? Whether it is the main lender has nothing to do with the real estate share. Buying a house together after marriage belongs to the joint property of husband and wife. According to the property law, joint ownership or joint ownership by shares should be reflected in the sales contract, and then stated in the property certificate. It is suggested to agree on the share in advance to avoid disputes in the future.

If there is no special agreement, the property purchased by the loan after marriage is the joint property of the husband and wife, and it will be divided equally at the time of divorce. It should be noted that buying a house with a loan after marriage, whether it is paid by individuals or both husband and wife, or whether one party repays the loan or both parties jointly repay the loan, will not affect the formation of the common property of the house.