Speaking of provident fund, I believe that what everyone immediately thinks of is to apply for provident fund loans, especially when buying a house, which can reduce some interest and down payment ratio. It has many benefits for every borrower, and it is very simple to handle. We all know that there are certain conditions for the nearest loan. In addition to the borrower's repayment ability and the balance of years to pay the provident fund, it is also necessary to look at the borrower's funds in all aspects. Let's take a look at how the main lender and sub-lender of provident fund loans choose.

How to choose the main lender and sub-lender of provident fund loan

Both husband and wife are provident fund loans, and the bank mainly evaluates the loan qualification of the main lender. It is suggested to choose from three aspects: income, age and credit information.

1, depending on income:

Here, it is suggested to choose the party with high income as the first lender, the party with slightly lower income as the second lender, and then two people will repay together. After all, the higher the income of the main lender means that its repayment ability will be stronger, the risk of default will be lower, and the loan approval rate will definitely be higher, so it is easy to obtain a higher loan amount.

2. Look at credit:

Good credit is the first prerequisite for provident fund loans, so the main lender must have good credit, otherwise the bank will definitely not accept it. However, it should be noted that the loan between husband and wife is based on the family, and the bank will check the credit information of both husband and wife. If the sub-prime lender's credit information is not good, it will also affect the loan approval.

3, look at the age:

The age limit for provident fund loans is relaxed to 65 for men and 60 for women, but the longest loan period is 30 years, and the sum of the actual ages when applying for loans from the main lender shall not exceed 70 years. Therefore, it is best to choose the younger party as the main lender, so that the loan period will be longer.

After reading these contents, do you understand these knowledge? If you don't know how to choose the main lender and others when you apply for provident fund loans, you can choose from the above three aspects: first, you can look at income, second, you can look at credit information, and besides, you can look at age. Judging how to choose through these three aspects.