In order to buy a house as early as possible, everyone has various ways now. Some friends will consider buying a house with more than one person because their own funds are insufficient. After buying a house with more than one person's loan, everyone will also face the problem of repayment of the mortgage. In fact, there have been related reports about the contradiction caused by repayment of the mortgage. It is best not to buy a house with repayment of the mortgage.
In order to buy a house as early as possible, everyone has various ways now. Some friends will consider buying a house by more than one person if their own funds are insufficient. After buying a house by more than one person, everyone will also face the problem of repayment of the mortgage. In fact, there have been related reports about the contradiction caused by repayment of the mortgage. If buying a house is not good, what are the disadvantages of repayment of the mortgage? What are the requirements of the bank for the same borrower?
what are the disadvantages of mortgage * * * and the repayment person?
1. Your name is written on the real estate license, and he is the guarantor. If you write your names, the ownership of the house will be yours.
2. His name is written on the real estate license. In the future, he will buy a house, of course, it will be a second suite, which will have a little impact on his mortgage (bank loan interest)
3. There will be no interest in the later period. If you add his name and change it to your new name in the future, you will have to go to the local housing management bureau to change the ownership (in this case, half of the ownership will be transferred).
4. * * * The co-repayers are generally the immediate relatives of the borrower under the same account, such as parents, children, brothers and sisters or shareholders of companies and corporate legal persons with economic contacts ... similar to the guarantor but different from the guarantor. It can directly ask * * * to fulfill the obligation to repay the borrower's bank debt with the borrower when the borrower is unable to repay the bank debt without legal proceedings.
what are the requirements of the bank for the same borrower?
1. I was single before the loan, and now I have a new spouse: the borrower and the spouse hold one original and one copy of the ID card, household registration book and marriage certificate, and go to the original loan outlet at the same time.
2. If the parents or children of the same household are * * * the same repayment, the borrower and the immediate family members of the same household will go to the original loan outlet at the same time with one original ID card and one copy of the household registration book. Note: the applicant has used the housing provident fund, and it can be added if the proportion of the borrower's loan does not exceed 5% of the total purchase price; If the loan ratio exceeds 5%, it cannot be added.
what are the disadvantages of the mortgage and the repayment? For the whole content of what the bank requires of the * * * repayment, the mortgage repayment also has certain advantages, that is, the pressure of buying a house is not so great, but it is easy to have contradictions when repaying. The above also analyzes the related disadvantages for everyone, and the bank also has requirements for the * * * repayment. For details, you can trust the consulting bank. What are the advantages and disadvantages of husband and wife buying a house with the same loan?
Benefits of husband and wife buying a house with the same loan
Expanding the loan amount and reducing the economic pressure
Now many banks require that the monthly repayment amount should not exceed half of the lender's monthly income when approving housing loans.
The provident fund loan saves interest, and the husband and wife can apply for a housing loan together, which can increase the loan amount of the provident fund.
Disadvantages of the same loan for husband and wife
If it has to be said that it is not good, it is the problem of how to divide it after divorce, or who will pay back how much. In fact, if handled properly, the advantages outweigh the disadvantages. How about a couple taking out a loan to buy a house together? There are these things to pay attention to!
Many people plan to borrow money to buy a house after marriage. It is a good choice to choose husband and wife to borrow money together, because both the success rate and the loan amount are relatively high. If you are borrowing for the first time, there are many aspects that need attention. Today, we will briefly introduce them. 1. Personal loan to buy a house needs to review my information. If the husband and wife borrow to buy a house together, there is a requirement on the age of the loan. Generally speaking, the lender is over 18 years old and under 65 years old, so first of all, the age of both husband and wife must meet, and the younger the better, the longer the loan period will be. 2, the importance of personal credit. Since both husband and wife handle real estate on a family basis, there can be no problem with the credit information of either party, otherwise it will affect the approval of mortgage. If you want to get a high loan, the credit information of the main lender must be very good, otherwise it will be difficult to pass. 3. Be present in person. Buying a house by loan is a complicated and long process, and there are many processes and procedures, such as signing a sales contract and handling the transfer formalities, which require both parties to be present at the same time. 4. Who should be the main lender? This also needs to be considered clearly. Generally speaking, the bank will judge the main lender according to the person with higher income of husband and wife, and sign the "lender" in the bank housing loan contract. 5. In order to prevent more disputes after divorce, it is suggested that everyone determine their respective shares. According to the provisions of the Marriage Law, the property acquired by husband and wife during the marriage relationship belongs to both husband and wife, unless otherwise agreed by both parties. What are the disadvantages of the mortgage being the same as the repayment person? How to determine the main lender
With the increasing number of people buying a house, all the procedures that need to be handled in buying a house have become complicated, especially in terms of loans and repayment. Now there are many situations of repayment. Some people repay loans, and some people also repay loans with mortgages. There will be no conflict in individual repayment, but it is not necessarily the same as repayment of mortgages, so the repayment of mortgages will be the same.
With the increasing number of people buying a house, all the procedures that need to be handled in buying a house have become complicated, especially in terms of loans and repayment. Now there are many situations of repayment. Some people repay loans, and some people also repay loans. However, there will be no conflict in individual repayment, but it is not necessarily the same as repayment. So what are the disadvantages of repayment? How to determine the main lender?
what are the disadvantages of the mortgage * * * and the repayment person?
1. Your name is written on the real estate license, and he is the guarantor. If you write your names, the ownership of the house will be yours.
2. His name is written on the real estate license. In the future, he will buy a house, of course, it will be a second suite, which will have a little impact on his mortgage (bank loan interest)
3. There will be no interest in the later period. If you add his name and change it to your new name in the future, you will have to go to the local housing management bureau to change the ownership (in this case, half of the ownership will be transferred).
4. * * * The co-repayers are generally the immediate relatives of the borrower under the same account, such as parents, children, brothers and sisters or shareholders of companies and corporate legal persons with economic contacts ... similar to the guarantor but different from the guarantor. It can directly ask * * * to fulfill the obligation to repay the borrower's bank debt with the borrower when the borrower is unable to repay the bank debt without legal proceedings.
how to determine the main lender?
1. When the husband and wife apply for a loan to buy a house together, it is particular about who will take the main loan and who will take the second loan. During the face-to-face 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 "* * * lender" to participate in the repayment. When determining the main lender and sub-lender, it must be determined according to the actual situation, which can be analyzed from the aspects of income, credit information and age.
2. The main lender whose husband and wife buy a house with the same loan should choose the one with higher and more stable income. The bank will evaluate the repayment ability of the applicant through the income certificate or the bank's running water, so it is easier for the bank to approve the loan when the high-income and stable party is taken as the main lender during the face-to-face signing.
3. Inquiring about the personal credit information of both husband and wife is an essential link for both husband and wife to apply for loans. Generally speaking, the party with good credit information should be the main lender, because when the husband and wife buy a house with the same loan, as long as there is a problem with one party's credit information, it will affect the mortgage approval. Generally speaking, if there is a problem with the credit record of the main lender, the bank will generally not accept the loan application.
the above are the disadvantages of the mortgage * * * and the borrower? How to determine all the contents of the main lender? When you see the borrower, I believe everyone understands that two people are paying the mortgage together. Some friends think that there is no problem, but it also has a certain relationship. This article also talks about this aspect. After reading it, you can also think about these problems by yourself.