First of all, we should treat the main lender and the sub-lender according to the credit information and income. The party with good credit information, high income and stability is the main lender. Whether it is the main lender or the sub-lender, the repayment card can be the bank card of the main lender or the sub-lender. If the husband and wife divorce, if the sub-lender wants to pay compensation, the sub-lender will prove to the court through the bank repayment journal that he really participated in the repayment when dividing the property.

If the woman is the main lender, the bank will generally give priority to the default deduction of the main lender's bank card when repaying. If the husband and wife do not divorce, the woman as the main lender will not suffer. If divorced, the woman, as the main lender, does have certain advantages in property division.

: 1. What is the main lender?

1. For "* * * the same lender", not only the immediate family members (husband and wife, children and parents) of the lender, but also one of the property owners who need the mortgage of the housing loan. However, this one is an exception for couples. Even if there is only one spouse's name on the real estate license, the other spouse can also be the "lender" of the housing loan.

2. When determining who is the "main lender", both husband and wife must decide according to the actual situation:

We should choose the one with higher and stable income between husband and wife, so as to obtain a higher loan amount;

At the same time, pay attention to the age limit, generally choose the younger party, making the loan period longer.

3. In addition, we should also pay attention to the changes in credit policies:

For some areas, if non-local residents can't provide local tax payment or social security certificates for a fixed number of years, they will be treated differently in the down payment ratio and interest rate level, which will undoubtedly increase the cost of buying a house, and this factor should also be taken into account.

4. Reminder:

The focus of loan credit investigation is the main lender. If there is something wrong with the credit information of the main lender, the bank may not lend money.

In addition, the husband and wife buy a house together, and the share of the property should be agreed in advance to avoid disputes in the future.

Two: What is a loan?

Loan is a kind of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, interest subsidies, overdrafts and other borrowing funds. Through loans and monetary funds, banks can meet the social demand for supplementary funds, expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.