Need. For couples to borrow money to buy a house, banks mostly require to provide the bank running water of both husband and wife to prove the family's assets and repayment ability, but if one of them has no job, it is not necessary to provide running water. Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.

Married people's loan to buy a house belongs to the family nature. In accordance with the provisions of bank mortgage loans, it is necessary to submit the applicant's and spouse's ID cards, bank running water, family income certificates and other related assets certificates, including bank running water and bank deposit certificates.

What should couples pay attention to when buying a house with a loan?

1, the procedures should be complete:

If both parties want to apply for a mortgage together, they need to provide proof of income of both husband and wife. Of course, when applying for a mortgage loan, if one of the parties has a high income, it is not a problem to pass the qualification examination and approval, and the income certificate of the other party is not needed.

2. Both parties must be present when handling the real estate formalities;

The signing parties attended in person. In the process of buying a house, many signing processes are involved, such as signing a sales contract, handling a mortgage, and transferring transactions, which require both husband and wife to be present at the same time. Under normal circumstances, when * * * buys a house, the names of two people should be stated on the real estate license, and both parties should be present in person. If one party cannot attend, it must go through the formalities of notarization and authorization.

3. Prospective couples need to reach an agreement on the share of real estate:

Under normal circumstances, if the husband and wife have got a marriage certificate, then the property is generally divided equally. However, in real life, many prospective couples will buy a new house before marriage, so it is impossible for both parties to buy a house in the same property without a marriage certificate.

4, housing property rights change registration:

Some couples agreed to buy a house together. Because the man paid a lot of money, the name of the man was written on the real estate license. But after marriage, I hope that the woman will ask the family for some funds to repay the mortgage in advance. In this case, it should be noted that the ownership of real estate stipulated in China's property law is subject to registration. If there is no agreement between the repayment parties in the relevant contract, the ownership of the house still belongs to the man because the name of the man is written on the real estate license.