Check the credit information of both husband and wife when buying a house. 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. 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 also refuse to issue the loan. When a bank lends money, the investigation of the lender's credit record is based on the family, and both husband and wife should ensure good credit information.
What should I pay attention to in bank loans?
1, apply for a mortgage and do what you can.
Some people think that the bigger the loan amount, the better, but this is not the case! Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.
2. Prepare loan information in advance.
Copy of ID card, copy of household registration book, copy of marriage certificate or single certificate, income certificate, bank account and social security related certificates, etc. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.
Step 3 provide real information
If the loan buyer provides false materials to the bank, it may cause serious impact, ranging from affecting the bank's audit and not issuing loans, to the point that individuals cannot apply for loans because of providing false materials, which leads to the liability for breach of the pre-sale contract of commercial housing and a considerable amount of liquidated damages.
4. Clear the repayment method in advance.
At present, there are two main repayment methods for bank loans to buy a house, namely equal principal and interest and average principal. Although there is little interest in the average capital, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small, so you can choose the appropriate repayment method based on your own situation.
5. Don't use the provident fund before applying for a loan.
If the borrower takes the balance of the provident fund before the loan, it will make the balance of the provident fund in the provident fund account become zero, so the amount of the provident fund loan will become zero. In other words, you can't successfully apply for provident fund loans at this time.