Matters needing attention in buying a house with joint loan
1. When signing the contract, both parties must be present in person.
Generally speaking, when many couples apply for loans, they will jointly apply in the name of husband and wife. Therefore, banks need to review their qualifications and sign at the same time when handling relevant procedures.
2, the main loan, sub-loan is particular.
Even if both husband and wife jointly borrow money to buy a house, only one of them can become the main lender. During the interview, the bank loan officer will ask which one of the husband and wife is designated as the "lender" and which one is designated as the "co-lender" to participate in repayment. Banks will choose primary lenders and secondary lenders according to the actual situation, generally considering income, credit information and age.
3. preparing for the exam is the key.
When a husband and wife jointly borrow money to buy a house, they should prepare relevant documents in advance. Because there are too many documents to prepare, we must be careful, and we must not miss any of them. When a husband and wife jointly apply for a mortgage, they need to provide their identity documents (both parties), marriage certificate, income certificate (with seal), down payment proof materials, etc.
The share is fixed in advance.
When the husband and wife jointly borrow money to buy a house, they should determine the share of the property in advance to avoid conflicts in the future. In the process of buying a house with a joint loan, even if the name of the other party does not appear on the real estate license, it does not affect its ownership of the house. However, at present, few couples will implement AA system, so when buying a house with joint loans, it is necessary to consider the share of real estate in advance.
5, housing property rights change registration
Some couples agreed to buy a house together. Because the man paid a lot of money, the man's name was written on the real estate license. But after marriage, I hope that the woman will ask the family for some funds to repay the mortgage in advance. In this case, it should be noted that the ownership of real estate is subject to registration. If there is no agreement between the repayment parties in the relevant contract, the ownership of the house still belongs to the man because the name of the man is written on the real estate license.