1. Loan records are displayed in different ways in credit investigation. When applying for a housing loan, only one loan record will be generated, which will only be displayed on the credit report of the main lender, and there will be no such loan record on the credit report of the sub-lender.

2. The loan term is different. The period of applying for mortgage is calculated according to the age of the first-tier lender, not according to the age of the second-tier lender.

3. Different qualification requirements. Usually, when banks apply for loans, they will let the party with good credit status be the main lender and the other party be the sub-lender.

4. The repayment order of provident fund is different. When using the provident fund to repay the mortgage, the balance of the secondary lender's provident fund account will be used only after deducting the balance of the primary lender's provident fund account.

The meaning of the main lender:

The main lender refers to the borrower, that is, the main person in charge of the loan. Generally speaking, the mortgage is deducted from the lender's savings card. * * * Lenders are also called lenders. First of all, they are required to be immediate family members, that is, husband and wife, children and parents. At the same time, it must also be one of the property owners of housing loan collateral. But for couples, even if there is only one party's name on the real estate license, the other party can also be the "* * * lender" of the housing loan.

Matters needing attention in determining the main lender

1. Choose the party with stable income.

At present, many banks require that the monthly repayment amount should not exceed half of the lender's monthly income when approving housing loans. For example, a family needs to repay a loan of 3,500 yuan per month, and one party's income is only 5,000 yuan, so it can't meet this requirement of the bank.

2. Pay attention to the age limit

Most banks stipulate that the age limit for personal loans in China is 18 years old and under 65 years old. If one of them is older, it may exceed the fixed number of years stipulated by the bank. Because in China, whether it is a commercial loan or a provident fund loan, the relatively long loan period is 30 years, and most banks stipulate that the sum of the borrower's age and the loan application period should not exceed 70 years in principle.

3. Select the party with good credit information as the main lender.

Since both husband and wife will handle the mortgage on a family basis, even if one party has a problem with credit information, it will affect the approval of the mortgage. However, it should be noted that if there is a problem with the credit record of the main lender, the bank will generally not accept the loan application, and even if it is accepted, the loan amount and interest rate may be affected.