Of course, although couples can't apply for housing provident fund loans together without a license, they can apply for commercial loans together. Because commercial loans do not require that the relationship between * * * and the lender must be immediate family members, like business partners can also apply for commercial loans to buy a house.
If the couple want to borrow money to buy a house before obtaining the certificate, it is suggested that both parties sign an agreement to stipulate the individual contribution, the right to use and dispose of the property, and notarize it to avoid disputes in the future.
If you choose a loan to buy a house after obtaining the certificate, you should also pay attention to the fact that both husband and wife must have good credit information. It is useless to have good credit information of the main lender. Bad spouse credit information will also affect mortgage approval, which may lead to mortgage failure.
Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.