Generally speaking, mortgage is based on the credit of both husband and wife. If a married person borrows money to buy a house, and one of the husband and wife has a bad credit record, the bank will refuse the loan.
However, according to the regulations of banks and state-owned banks, if one spouse fails to repay the loan for three consecutive times or six times in two years, the bank will refuse to issue the loan.
Joint-stock banks stipulate that the lender's credit record is based on the family. If either spouse has a good record of more than 6 times, the house purchase loan will also be rejected.
Second, hello, I want to ask you, do you have to ask both people for a loan from the bank?
No, the borrower's credit information is enough. Check the credit information of both husband and wife, just as a reference to ensure the loan qualification.
Generally speaking, even husband and wife are two independent people. If a household loan is used as a unit, neither party can obtain bad credit. If it is a personal loan, like a mortgage, you can borrow in your own name.
Generally speaking, mortgage is based on the credit of both husband and wife. If a married person borrows money to buy a house, and one of the husband and wife has a bad credit record, the bank will refuse the loan.
But different banks have different regulations. For example, some state-owned banks stipulate that if one of the husband and wife is overdue for three times in a row or six times in total within two years, the bank will refuse to issue loans.
According to the regulations of joint-stock banks, the credit records of lenders are investigated on a household basis. If either spouse has overdue repayment records for more than 6 times and the other spouse has a good credit record, the house purchase loan will also be rejected.
3. Does mortgage need husband and wife credit?
According to the regulations, when the bank approves the housing loan, if both husband and wife buy a house, the bank should check not only one person's credit record, but also the spouse. Because when it comes to repayment, two people repay at the same time. Therefore, if one party has a credit problem, it will have an impact on the loan.
If the credit record is light, the bank will still focus on education, and after paying off the debt, it may be able to get a loan. However, if the circumstances are very serious, such as the bank's repeated dunning and unpaid loans, it may not be approved.
Of course, if the husband and wife have credit problems and buy a house in their own name before marriage, and there is no problem with their credit history, the loan can be approved. However, there is a limit to the amount that an individual can borrow, and it should be linked to income. According to the regulations, the monthly repayment amount of an individual cannot exceed 50% of his personal income, and the other party cannot be the second repayment person. If the repayment ability is limited, it may have a great impact on life.
In addition, if necessary, it is best to bring your ID card and a copy to the local people's bank to check your personal credit record before marriage, so as to avoid getting a bank loan because of credit stains after marriage.
4. Do you need to check the credit information of both husband and wife when buying a house loan?
Buying a house loan requires checking the credit information of both husband and wife. If you buy a house after marriage, even if you only borrow money to buy a house in the name of one husband and wife, even if the lender has a good credit record, if his spouse fails to repay for many times, the bank will doubt the family's repayment ability and credit degree, and will be more cautious when lending. If one of the husband and wife fails to repay the loan for three consecutive times or six times in two years, the bank will refuse to issue the loan. How do couples apply for mortgage to reduce the loan ratio and increase the loan interest rate? Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Loan amount x down payment = monthly repayment There are two loan methods: generally divided into: average principal and equal principal and interest! Equal principal and interest: it means that the monthly interest repayment amount remains unchanged! Generally called equal repayment! Average capital: it means paying the principal first and then the interest! Generally called diminishing repayment! For example: 30X64.23= 1926.6 (equal principal and interest) 30X83.24=2497.2 (average capital) Housing loan interest = repayment amount-total loan amount People are most concerned about the conditions and procedures in mortgage loans. First of all, the materials to be provided for mortgage loan are: 1, the ID card of the applicant and spouse, and the original and photocopy of the household registration book. 2. The original purchase agreement. 3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price. 4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. 5. The developer's collection account number is 1 copy. First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials. Then accept the bank's review of you and determine the loan amount. Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage. The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest. After the above procedures and formalities, you can get a new house through mortgage. Through what the reporter said above, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him. How do buyers handle mortgage loans? Building mortgage is quite common in the United States, Japan, Singapore, Hong Kong and other places, and has become a widely popular financing method for buying houses in developed countries and regions. In China, mortgage has only been implemented in Shanghai, Peking, Shenzhen and other cities in recent years. The sales performance of real estate that provides mortgage in the real estate market is obviously better than other real estate. Property buyers handle it.