Both husband and wife must be present. If you can't be present, you need to issue a certificate of entrustment or some banks accept that one of the husband and wife gives up the ownership of the house, but the husband and wife still share the responsibility for repayment, so that only one person can write the property right. Information required for mortgage loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. Original purchase and sale contract.
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. 1 A copy of the collection account number of the developer or the owner. Procedures and procedures for handling mortgage loans: first, 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.
2. Do both husband and wife have to be present when signing a loan at the bank? Do you still need the bank cards of both parties?
If you borrow money from a bank, in principle, both husband and wife must be present to sign. If both parties have bank cards, only one is needed, and there is running water. For example, you can entrust the other party to do it.
3. Do both husband and wife have to be present when signing a loan at the bank?
To borrow money from a bank, both husband and wife must be present to sign it, otherwise they will provide a single certificate. If the husband and wife sign a loan and repay it without the other party's knowledge, the bank has the right to ask the other party to repay it. In many similar lawsuits before, one party mortgaged the property without the knowledge of the other party, and many lawsuits were filed. So banks are now very cautious about personal loans to prevent similar lawsuits from happening again. When making a loan, the borrower holds a marriage certificate, an ID card and a household registration book at the same time.
4. Does the bank loan have to be with husband and wife?
To borrow money from a bank, both husband and wife must be present to sign it, otherwise they will provide a single certificate. When establishing a loan contract relationship, if the bank allows both husband and wife to sign together, it is to lock or fix the debtor's responsibility and ensure the recovery safety factor of loan funds. But even if both parties are not allowed to sign, and one of them signs, the other party will generally assume the obligation to repay the debt. Extended data:
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Principles "Three Principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong. Repayment method (1) Equal repayment of principal and interest: that is, the sum of loan principal and interest is equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; (2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; (3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis; (4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. (5) Repay all the loans in advance: that is, the borrower. (6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.