Buying a house is a major event for every family. Many times, it is often the husband and wife who buy a house together, which involves the repayment, application and quota of two people. In the process of * * * loan, there are many places to pay attention to. Let's briefly introduce it today.

1. Two people were present at the same time when signing the contract.

When applying for a mortgage in the name of husband and wife, the bank needs to investigate the qualifications of both of them at the same time. Remember, you need to sign at the same time when you go through the relevant formalities.

2. Principal loans and subprime loans are exquisite.

Just because husband and wife jointly borrow money to buy a house does not mean that both husband and wife are major lenders. Husband and wife can designate who is the main lender. When determining the main lender and the sub-lender, it must be determined according to the actual situation, which can be analyzed from the aspects of income, credit information and age.

1) revenue

The main lender should choose the party with higher income and stability. In the face-to-face interview, it is easier for banks to issue loans and loans with the high and stable income as the main lender.

2) Credit investigation

Before the loan, the bank will check the personal credit information of both husband and wife. In general, the credit information of the main lender is better and it is easier to get approval. If there is a problem with the credit record of the first-tier lender, the bank will generally not accept the loan request, while the credit record of the second-tier lender is not particularly good. As long as it is repaired, it will not affect the mortgage approval.

3) Age

When the income and credit information are almost the same, the main lender should choose the younger party. The younger the main lender, the longer the loan term.

3. Set the proportion in advance.

When the husband and wife jointly borrow money to buy a house, they need to determine their respective proportions to avoid disputes in the future. In the process of buying a house with a loan, even if the name of the other party does not appear on the real estate license, it does not affect its ownership of the house. According to relevant laws and regulations, the owner can choose * * * to have a way. If he chooses to * * *, the rights and interests enjoyed by both parties are the same; If there is a lot * * *, it needs to be cut early, and it should be stated in the real estate license.