If there are two people’s names on the real estate certificate, whose name should be used for the renovation loan?

According to relevant information, two people’s names are required for a loan together. Whose name is on the real estate certificate will be written on the decoration loan, so your names should also be written on the decoration loan. Is it okay to sign a house purchase contract with two people’s names, and only one person can take out a loan?

Yes, the house purchase contract can be signed by the names of two people, which is equivalent to the sole owner of the house. When taking a loan, only one of them is generally identified as the borrower, and the mortgagor is listed in the column. 1. What procedures and conditions are required for a home purchase loan?

1. Home buyers need to go to the bank to understand the relevant situation and obtain relevant required information to apply for a personal housing loan.

2. Next, the bank will handle the loan contract, insurance, and property mortgage registration and notarization.

3. The information and procedures required for applying for a home purchase loan are as follows: household registration booklet, marriage certificate, ID card, income certificate, bank statement, and home purchase contract (if married, provide information on both spouses).

2. What are the conditions for applying for a house purchase loan?

1. Male: 18-65 years old; female: 18-60 years old, with full capacity for civil conduct.

2. Pay the down payment for the house.

3. Have stable legal income and the ability to repay loans and interest.

4. The borrower agrees to use the purchased house and its equity as collateral.

5. The property rights of the second-hand houses purchased are clear and meet the conditions stipulated by the Beijing Municipal Government for entering the real estate market.

6. The purchased house is not within the scope of the demolition announcement.

7. When applying, the home buyer must have own funds of no less than 20% of the purchase price.

8. Other conditions required by the lending bank.

3. Factors affecting the loan period and mortgage term

1. The age of the loan applicant

When the bank evaluates the mortgage repayment period for the borrower , first based on its age. Generally, if you meet the loan conditions, the younger you are, the longer the loan term will be, and conversely, the older you will be, the shorter the loan term will be. Under normal circumstances, "the age of the borrower + the loan term does not exceed 65 years" is the loan period that the bank can handle for him.

2. The age of the loaned house

When a borrower purchases a property, the "age" of the property purchased will determine how many years the loan can be taken. According to bank regulations, newer properties are easier to get loans for. For example, second-hand houses with a construction period of less than 10 years have better conditions in all aspects, and banks are willing to speed up the approval of housing loans for such houses. The name of two people on the house is in whose name the loan is in

This depends on whether you want to get a loan to buy the house first, or buy the house first and then get the loan. If the loan is taken first, the name will be added to the real estate certificate, which means that the original property owner has donated a certain share to the new property owner, which will have a certain impact on the realization of the bank's creditor's rights. The real estate certificate requires the names of two people to apply for a loan, and both people on the real estate certificate must sign at the same time.

You need to mortgage the property you just bought, and write the names of two people on the loan purchase contract.

So you need to write the names of two people on the real estate certificate for the loan; personal housing portfolio loan. Because this is a marital property agreement. Two people can use two people’s names to buy a house on loan! If two people are in a husband-and-wife relationship, to ensure the smooth acquisition of a mortgage loan, the property certificate will also be in the names of both people.

It is necessary for husband and wife to take out a loan together. Housing provident fund loan: For those who have participated in the payment of housing and inherited the house, you can write your names.

There is no other agreement between the two parties. Share, when two people are in love, you are good and I am good. Now the real estate certificate is in the bank, but when signing the house purchase contract, the names of the two people must be written. It is not necessary. The real estate certificate also has the names of two people. Whoever claims it has to provide evidence. In the contract, it is Just two people’s names.

Legal Basis

Article 25 of the "General Rules for Loans" Loan Application: If a borrower needs a loan, he or she shall apply directly to the sponsoring bank or the handling agency of another bank.

The borrower should fill in the "Loan Application Form" including the main contents such as the loan amount, purpose of the loan, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

2. The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the period before the loan application;

3. Correction of the original unreasonable occupation of the loan Situation;

4. List of mortgages, pledges, proof of the consent of the person with the right to dispose of the mortgage and pledge, and relevant supporting documents of the guarantor’s intention to agree to the guarantee;

5. Project suggestions letter and feasibility report;

6. Other relevant information that the lender deems necessary.

Article 29 of the "General Rules of Loans" All loans shall be signed by the lender and the borrower into a loan contract. The loan contract shall stipulate the type of loan, purpose of loan, amount, interest rate, loan period, repayment method, the rights and obligations of both borrowers and lenders, liability for breach of contract and other matters that both parties deem need to be agreed upon. To guarantee a loan, the guarantor and the lender shall sign a guarantee contract, or the guarantor shall state the guarantee terms agreed upon with the lender on the loan contract, affix the official seal of the guarantor's legal person, and sign the name of the guarantor's legal representative or his authorized agent. . For mortgage loans and pledged loans, the mortgagor, pledgor and lender shall sign a mortgage contract or pledge contract. If registration is required, registration shall be carried out in accordance with the law.

Article 27 of the "General Rules for Loans" After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, and verify the collateral. , pledge, guarantor status, and determine the risk of the loan.

Article 28 of the "General Principles of Loans": Lenders shall establish a loan management system that separates loan review and loan review and hierarchical review and approval. The reviewers shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions, and submit for approval according to the prescribed authority.

Article 26 of the "General Principles of Loans of the People's Bank of China" evaluates the borrower's credit rating: It should be based on the borrower's leadership quality, economic strength, capital structure, contract performance, operating efficiency and development prospects. and other factors to assess the borrower’s credit rating. Ratings can be conducted independently by the lender, held internally, or by an appraisal agency approved by the competent authority. If the house is in two people’s names, whose name is the loan in?

As long as the property is jointly owned by husband and wife, no matter whose name it is in, the loan is the joint debt of both people.