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Second, the name of both husband and wife is written on the purchase contract. Is it necessary for two people to get a loan?

The name of both husband and wife is written on the purchase contract. Is it necessary for two people to get a loan? To apply for an individual first-hand housing loan in China Bank, you need to submit the following materials: 1. Loan application; 2. Legally valid identity documents (referring to resident identity cards, household registration books, military officers' cards, home visits for Hong Kong and Macao compatriots or other valid residence documents); 3. Proof of marital status (marriage certificate or divorce certificate, unmarried person signing unmarried declaration in a unified format) 4. Proof that the down payment of the purchased house has been paid; 5. The original or photocopy of the economic income certificate recognized by the lender (including the borrower's family income certificate, tax payment certificate, bank statement, bank passbook, securities, etc.). ); 6. Purchase contract, agreement or other valid documents; 7. List of collateral (pledge) secured by the loan, certificate of ownership, certificate of consent of the mortgagee to dispose of the collateral (pledge) and collateral evaluation documents; 8. The written documents and credit certificate of the guarantor's agreement to provide guarantee for him; 9. Authorize the lender to inquire about the personal credit information system of the People's Bank of China and record the relevant files of the inquiry results; 10. Other information required by the lender. 1 1. Materials required for foreigners' loans (all foreign language materials must be translated by a regular domestic translation company and stamped with the official seal of the translation company): 1) Passport and foreigner's residence permit (Taiwan Province citizens provide ID cards, Taiwan Province compatriots provide ID cards or family visit cards, and Hong Kong and Macao compatriots provide ID cards and travel passes); 2) Work certificate; 3) Personal income tax payment certificate (if the company is registered in other places, the company's business license, work certificate and income certificate must be notarized by the notary office of the company's registered place; If the company is abroad, its work certificate and income certificate must be certified by our local embassy). Because there are some differences in different regions, please consult local institutions in detail when applying for loans. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business. China Bank Online Customer Service:: 95566.boc./ZIM/ Mobile Banking Download:: Bank of China. /EBanking/Service/CS 1/20 1009/t 20 10092 1 _ 165438。 Regional setting =zh

Hold a valid ID card;

Good credit information and no bad records;

Have a stable job and a stable income;

Sales contract or letter of intent for commercial housing with the purchased housing;

Have the ability to pay the down payment of the purchased house;

Open a personal settlement account in a bank with effective guarantee;

Other conditions stipulated by the bank.

Information to be prepared by mortgage to buy a house:

Original and photocopy of the ID card of the borrower and spouse;

Original and photocopy of the household registration book of the borrower's husband and wife;

Proof of marital status;

Original purchase agreement;

Original and photocopy of advance payment receipt for 30% or more of the house price;

Proof of income;

Bank flowing water;

Certificate of academic qualifications;

Bank deposit certificate;

Other financial certificates;

The developer's collection account number;

Other materials specified by the bank.

Mortgage to buy a house loan process:

Choose real estate;

Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;

Apply for mortgage loan;

Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;

Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

Open a special repayment account;

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;

The borrower repays the loan regularly as stipulated in the contract.

Should the husband and wife's name be written on the house purchase contract? The name of a couple or a person can be written on the purchase contract. If the husband and wife jointly apply for provident fund loans, they need two names.

When I bought a house in 2009, the house purchase contract was my personal name, and the names of both husband and wife written at the time of loan were acceptable after marriage. When divorcing, it is necessary to handle property division such as loans and real estate correction.

Other circumstances about the ownership of property after marriage in the new marriage law;

1. After marriage, both husband and wife contribute (including loans) to acquire the property rights of the house. After divorce, first make it clear that the property rights, whether the name of one party or the names of both parties, are the same property. Secondly, it is clear that the output value, that is, the value of the house, is calculated according to the market price, not according to the original purchase contract amount. Third, distinguish the equity part from the debt part. If loans are involved, the loan part should be deleted first. That is to say, the party that obtains the house pays half of the house value to the party that does not obtain the house, and the party that obtains the house pays the remaining principal and interest separately.

2. One of the husband and wife pays off all the house payment before marriage and obtains the real estate license. At the time of divorce, the house shall be divided in accordance with the provisions of the Supreme People's Judicial Interpretation (II) of the Marriage Law. Since one of the husband and wife paid all the house price and obtained the real estate license before marriage, the house belongs to the property before marriage. Therefore, when divorcing, the other party has no right to ask for division.

3. One spouse buys a house with a mortgage loan before marriage and obtains a real estate license. After marriage, both husband and wife pay back the same house. After the divorce, although the house was purchased by one party before marriage, the value-added part of the house after marriage and the part jointly repaid by the husband and wife should be regarded as the same property, unless otherwise agreed by the husband and wife. It should be noted that the repayment part of * * *, whether it is repaid by one party's personal salary or by the wages of both parties, should be recognized as the property of husband and wife. Of course, if one party can really prove that its repayment funds come from personal premarital property, then this part should not be recognized as marital property.

4. If one of the husband and wife paid part of the house price before marriage, but obtained the real estate license after marriage, both parties will repay the loan together after marriage. Although the property right certificate after divorce is a property right certificate and a legal document to prove the ownership relationship of the house, it does not mean that the house that obtained the property right certificate after marriage should be the property after marriage, or the source of the property should be subdivided into two parts: pre-marriage and post-marriage.

5. One spouse pays part of the house payment before marriage and repays the loan together after marriage, or one spouse repays the loan with personal property but the house appreciates. At the time of divorce, the division of houses without real estate license is based on the provisions of the Supreme People's Judicial Interpretation (II) of the Marriage Law. At the time of divorce, the two parties have disputes over the house that has not yet obtained ownership or has not yet fully obtained ownership. If it is impossible to negotiate, it is not appropriate for the people to judge the ownership of the house, and the parties should use it according to the actual situation. After obtaining the property right certificate, either party shall submit it separately. In addition, the First People's Court of the Supreme People's Court clearly explained that it is not appropriate to judge the ownership of houses, including: (1) buying welfare policy houses; (two) the purchase of commercial housing; (3) Purchase affordable housing. If you buy the above three houses and have not obtained the real estate license at the time of divorce, it is not appropriate to directly determine the ownership of the house.

Does CCB need to call the serial numbers of both husband and wife to apply for mortgage? The purchase contract is that a person's income is more than twice that of the bank's monthly payment. You can only see one work income certificate and only open one person's bank account. If one person's income is less than twice the monthly payment, it is necessary to provide two people with bank running water.

Does one person signing a house purchase contract affect the same loan for both husband and wife? A, a house purchase contract signed by one person does not affect the husband and wife * * * have a loan, and the property after marriage belongs to the husband and wife * * * and both parties have the obligation to repay. 2. According to Article 17 of the new Marriage Law, the following property acquired by husband and wife during the marriage relationship shall be jointly owned by husband and wife: (1) salary and bonus; (2) Income from production and operation; (3) Income from intellectual property rights; (4) Inherited or donated property, except as provided for in Item 3 of Article 18 of this Law; (five) other property that should be owned by * * *. Husband and wife have equal rights to dispose of all property. Article 18 In any of the following circumstances, it shall be the property of one of the spouses: (1) the pre-marital property of one of the spouses; (2) Medical expenses, living allowance for the disabled, etc. Obtained by one party due to physical injury; (3) Property determined to belong only to the husband or wife in the will or gift contract; (4) Daily necessities used exclusively by one party; (five) other property that should be owned by one party. Article 19 A husband and wife may agree that the property acquired during the marriage relationship and the pre-marital property shall be owned by themselves, in whole or in part or in part. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 17 and 18 of this Law shall apply. The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is binding on both parties. The husband and wife agreed that the property acquired during the existence of the marriage relationship should be owned by each other. If the third party knows the agreement, it should pay off all the property owned by the husband and wife.

Buying a house with a loan after marriage, the purchase contract is a person's name. Can I use two names for the real estate license? Husband and wife can, that is, go to the registration office of the real estate bureau and add your name to the same book, but you must bring all valid documents.

Ping An Bank loan must be the original purchase contract? Hello, you generally need to provide the original mortgage application materials 1. Identity documents; 2. Proof of marital status; 3. Proof of repayment ability and income; 4. Proof of down payment for house purchase; 5. A legally binding commercial housing sales contract signed with a real estate developer; 6. If there is a * * * borrower or a * * * owner, the * * * borrower or the * * * owner shall provide relevant identity documents and a pledge to agree to mortgage, and if there is a * * * borrower, it shall provide proof of repayment ability; 7. Other information required by the bank. Please refer to the above answers provided by Ronglian Ye Wei.

For housing loans, all banks need originals. For real estate transactions with loans, it is recommended to sign 7 contracts.

The purchase contract is based on the name of the wife and the loan of the husband and wife. Can I write two names on the real estate license? You can write the names of two people, just write two people when signing a contract with the real estate bureau.

Third, do you need both husband and wife to buy a house?

Whoever borrows money will provide bank flow, mainly to prove that you have stable income and repayment ability, which can be wage flow or cash flow.

Fourth, does the bank need both husband and wife to buy a house?

Banks that lend money to married people to buy houses mostly require both husband and wife's bank running water to prove the family's assets and repayment ability, but if one of them has no job, it is not necessary to provide running water. Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.

Married people's loan to buy a house belongs to the family nature. In accordance with the provisions of bank mortgage loans, it is necessary to submit the applicant's and spouse's ID cards, bank running water, family income certificates and other related assets certificates, including bank running water and bank deposit certificates.

Extended data

Requirements for buying a house with bank mortgage loan.

1,18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.