1. What is the amount of the couple's loan?
1. Commercial loan. If both husband and wife have stable jobs, the loan amount will be higher than that of the individual, but it cannot exceed the total house price minus the down payment.
For example, if you buy a property with a total price of 6.5438+0.5 million yuan, the husband's income will be 20,000 yuan, and the wife's income will be 6.5438+0.2 million yuan. If the husband applies for a mortgage alone, the down payment may reach 40%. If two people take out a loan, the down payment may be reduced to 30%.
In other words, one person can borrow 60% of the total house price, but two people can borrow 70%. Because the repayment ability of two people is much higher than that of one person, the bank may give a preferential interest rate of 20% or even 70%. But from an unfavorable point of view, if one party has a bad credit record, it may also lead to loan failure.
2. Then, when handling provident fund loans, what is the amount of husband and wife loans? Provident fund loans in various places set corresponding quotas for husband and wife loans. For example, a couple's loan in a city (Beijing) can be 654.38+0.2 million. The amount varies from place to place, and in some places, the amount of husband and wife loans is higher than that of individuals.
3. What problems should husband and wife pay attention to when borrowing money together?
1. Both parties to the contract attended in person.
In the process of buying a house, many signing processes are involved, such as signing a sales contract, handling a mortgage, and transferring transactions, all of which require both husband and wife to be present at the same time. In addition to signing the real estate sales contract, both parties need to be present in person when applying for mortgage and handling the transfer formalities.
Relevant professionals explained that when applying for a mortgage, they sometimes apply in the name of husband and wife, so banks need to review the qualifications of both parties and sign at the same time when handling relevant procedures.
2. preparing for the exam is the key.
When a husband and wife buy a house together, they need to provide many documents, and none of them can be less. When a husband and wife jointly apply for a mortgage, they need to provide proof of income and social security. Of course, when applying for a mortgage loan, if one of the parties has a high income, it is not a problem to pass the qualification examination and approval, and the income certificate of the other party is not needed.
3, the main loan, sub-loan is particular.
Under normal circumstances, in a bank housing loan contract, only one party is regarded as? Lender? (usually called the main lender) and whether or not the names of both parties are written on the property ownership certificate, the other party can act as? * * * With the lender? . When determining the main lender, we should choose the spouse with high and stable income, and pay attention to the age limit, otherwise it will affect the loan term.
The share is fixed in advance.
Husband and wife buy a house together, what is the share of property? It needs to be determined in advance to avoid future disputes. 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. ? Therefore, in the process of buying a house, even if it does not appear on the real estate license, it will not affect its ownership of the house.
5. Pay attention to personal credit.
Whether one or both husband and wife apply for a mortgage, the bank needs to evaluate the credit information of two people. As long as one party has bad credit information, it will affect the mortgage application. This must be paid special attention to.