Choosing "main loan and sub-loan" is very particular.

For "* * * the same lender", it is not only required to be the immediate family members of the lender (husband and wife, children and parents), but also to be one of the property owners of the housing loan mortgage. 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. Therefore, when determining the primary lender and the secondary lender, it needs to be determined according to the following three main situations.

When determining the main lender, the person with high and stable income between husband and wife should be selected.

Generally speaking, the purpose of a husband and wife * * * having a loan is to reduce the repayment pressure on the one hand, and it is difficult to obtain a bank loan only by one party's qualification on the other hand, so they will choose * * * to have a loan.

For example, many banks now require that the monthly repayment amount should not exceed half of the lender's monthly income when approving housing loans. For example, the housing loan applied by Xiao Ming's family needs to be repaid at 3,500 yuan per month, while Xiao Mingyue's income is around 6,000 yuan, which can't meet this requirement of the bank. However, Xiao Ming and his wife Xiaohong work in an educational institution. Although her monthly income is not high, it is about 2500 yuan. But if Xiaohong can get a loan as a "* * * lender", this problem will be solved. Because the monthly income of the two lenders reached 8500 yuan, which was more than 7000 yuan twice the monthly repayment amount, it met the basic requirements of bank loans and greatly improved the approval rate of mortgage loans.

Secondly, we should choose the party with good credit information as the main lender.

First of all, it must be clear that since both husband and wife will apply for mortgage on a family basis, as long as one party has problems with credit information, it will affect the approval of mortgage. But the difference is that there is something wrong with the credit record of the main lender, and the bank will definitely not accept the loan application. Even if it is acceptable, the loan amount and interest rate will be affected.

If the party with good credit information is selected as the main lender, the secondary lender needs to pay off the arrears and overdue fine before shenqing. Although the loan amount and interest rate will also be affected, due to the good credit information of the main lender, the loan approval rate can be improved.

In addition, we should pay attention to the age limit.

According to the provisions of most banks' personal loans, the age limit for loans in China is 18 years old and under 65 years old. If one of them is older, it may exceed the fixed period stipulated by the bank, because in China, the longest loan period is 30 years for both commercial loans and provident fund loans, and most banks stipulate that the sum of the borrower's age and the loan application period should not exceed 70 years in principle.

Second, who is more suitable as the main lender for husband and wife to buy a house with commercial loans?

The main lender must be the owner of the house. If the owner of the house is only the man, only the man can apply for a loan as the main lender.

1. Which spouse is more suitable as the main lender?

The main lender had better have the advantages of age and income.

1. Which age group is suitable for being the principal lender?

The age of the main lender is preferably between 25 and 40, and people of this age group are more popular.

Banks generally require borrowers to be 18-65 years old when reviewing loans: over 40 years old, and the longest loanable period will be within 25 years; People aged 50-65 are more likely to get sick, which may affect the normal repayment.

For example, Kobayashi is 45 and Xiao Ju is 39. They are married and want to apply for a commercial loan to buy a house. If Kobayashi is the main lender, the longest loanable period is less than or equal to 20 years; If Xiao Ju is the main lender, the longest loanable period may reach 25 years.

2. What kind of work and income are suitable for being the main lender?

It is best for the main lender to have a relatively stable job and a higher income.

Banks generally believe that borrowers with stable jobs will have the ability to repay continuously. For example: civil servants, teachers, doctors, lawyers, employees of Fortune 500 companies. In addition, the bank will judge the repayment ability according to the income certificate provided by the borrower, which should cover at least twice the monthly payment.

Second, what is the difference between the repayment obligations of the main lender and the borrower?

Since the husband and wife have the same debts, both the main lender and the borrower have the obligation to repay the mortgage. When the first debtor can't pay off the bank's debts, the bank can directly claim the debts from the second debtor.

For example, Xiao Lin and Xiao Ju got married and applied for a commercial loan to buy a house. His wife Xiao Ju is the main lender, and Kobayashi is also the borrower. Unfortunately, Xiao Ju lost the ability to continue to repay the loan in a car accident and was unable to pay off the loan debt. At this time, the bank can ask Kobayashi to continue to fulfill his repayment obligations.

Source: chain home finishing

This content only applies to Beijing.

3. Who is more suitable as the main lender when the husband and wife buy a house with commercial loans?

If the owner of the house is only the man, then.

1. Which spouse is more suitable as the main lender?

The main lender had better have the advantages of age and income.

1. Which age group is suitable for being the principal lender?

The age of the main lender is preferably between 25 and 40, and people of this age group are more popular.

The bank's loan review period is 5 years: more than 40 years, and the longest loanable period is less than 25 years; Older people are more likely to get sick, which may affect the normal repayment.

For example, Kobayashi is 45 and Xiao Ju is 39. They are married and want to apply for a commercial loan to buy a house. If Kobayashi is the main lender, the longest loanable period is less than or equal to 20 years; If Xiao Ju is in power for five years.

2. What kind of work and income are suitable for being the main lender?

The main lender had better have a photo.

Banks generally believe that jobs are stable, such as civil servants, teachers, doctors, lawyers, and Fortune 500 employees. In addition, the bank will judge the repayment ability according to the income certificate provided by the borrower, which should cover at least twice the monthly payment.

Second, what is the difference between the repayment obligations of the main lender and the borrower?

Since the husband and wife have the same debts, both the main lender and the borrower have the obligation to repay the mortgage. When the first debtor can't pay off the bank's debts, the bank can directly claim the debts from the second debtor.

For example, Xiao Lin and Xiao Ju got married and applied for a commercial loan to buy a house. His wife Xiao Ju is the main lender, and Kobayashi is also the borrower. Unfortunately, Xiao Ju lost the ability to continue to repay the loan in a car accident and was unable to pay off the loan debt. At this time, the bank can ask for a small amount.

Source: chain home finishing

This content only applies to Beijing.