1. What are the requirements for a married housing loan?
1, married people need to have legal resident status when buying a house loan; Those who apply for policy personal housing loans should have local permanent residence.
2, need to have a stable career and income.
3, need to have the ability to repay the loan principal and interest on schedule.
4. The assets recognized by the lending bank need to be mortgaged or pledged, or (and) need to be guaranteed by a guarantor that meets the prescribed conditions.
5. You need a contract or agreement to buy a house.
6. When a married person applies for a house purchase loan, he usually needs to have a deposit of not less than 30% of the funds needed for house purchase in the bank. To apply for a policy-based individual housing loan, the housing provident fund shall be paid in accordance with the regulations.
7. Other conditions stipulated by the lending bank.
Second, what will the married housing loan bank check?
1, proof of income, bank flow
The borrower's income and running water are important items audited by the bank, because these two items directly reflect his repayment ability. Generally speaking, the bank's requirement for repayment ability is monthly income ≥ monthly mortgage payment X2. If the borrower is repaying other loans, the monthly income is required to be ≥ (existing loan+monthly mortgage payment) X2. If the bank runs smoothly, it is generally necessary to provide a bank card within 6 months, and it is recommended to use more running transactions.
2. Existing housing conditions
The number of existing houses and repayment of the borrower are directly related to the down payment ratio and interest rate of the next house purchase.
3. Credit report
Credit report is the embodiment of the borrower's personal credit. A good credit report shows that the borrower has good loan and repayment habits, and it is more likely to repay the mortgage on time in the future. Usually, the credit information of both husband and wife is inquired on a family basis. Some banks will check the borrower's family's loan records within five years, credit card records within two years, and some will check the time range more widely.
Due to the different policy requirements of banks, the degree of easing in reviewing credit information will be different. If one of the spouses is overdue, it may affect the whole family to apply for a mortgage, ranging from raising the loan interest rate or down payment to being refused a loan.
4. Debt
It would be a pity if the borrower still has other loans outstanding or credit card arrears. Because then the bank will question the repayment ability of the applicant, and the bank may refuse the loan.
5. Age and occupation
The borrower's age and occupation reflect its repayment ability and stability from the side. The age required for banks to review loans is 18-65 years old, among which 25-40 years old is the most popular group, followed by 18-25 years old and 40-50 years old. People aged 50-65 are more likely to get sick, which will affect the normal repayment.
Professionally, people with stable incomes, such as civil servants, teachers, doctors and employees of top 500 enterprises, are classified as excellent customers by banks and are more likely to be favored.
6. Age of the house
If you buy a second-hand house, the bank will limit the age of the house, usually 20-25 years. Older second-hand houses may reduce the loan amount or directly refuse to lend. In addition, the age of the house will also affect the loan period. Know the requirements of the bank before buying a house.