* * * Can I write the names of two people when buying a house, and can I get a loan from one person?
* * * It is ok to write two people's names and one person's loan when buying a house, and two people's names can be signed on the house purchase contract, which is equivalent to the property right of the house. In general, only one of them is recognized as the borrower, and both of them sign in the column of mortgagor. Just provide the information of the main lender and the owner of * * * *. The information provided is as follows: ID card, household registration book, marriage certificate, income certificate, bank account (information provided by married couples).
What should I pay attention to when buying a house with a loan?
1. Some people think that the larger the loan amount, the better. Actually, it is not like this! 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. If the mortgage buyer provides false materials to the bank, it may have a serious impact: it will affect the bank's audit, and it will be impossible to issue loans and realize the dream of living; What's more, it may be because individuals provide false materials, which leads to the inability to apply for loans, which leads developers to require buyers to bear the liability for breach of contract for overdue delivery of mortgage materials and pre-sale contracts of commercial housing, and pay a considerable amount of liquidated damages.
At present, there are two main repayment methods for buying a house with bank loans, 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. You can choose the appropriate repayment method based on your own situation.
4. After the loan application is approved, the buyer can repay the loan every month. What should I do if I encounter difficulties halfway and can't repay on time? Property buyers can apply to the bank to change the loan term, and if the loan bank agrees, it can be extended.
The last article introduced to you whether * * * can buy a house with one person and two names, and what should be paid attention to when buying a house with a loan. As can be seen from the above article, you can write two people's names and choose one person's loan, but when buying a house with * * * *, both parties should pay attention to the share of buying a house.