How does a family get a loan?
What is the joint loan amount for husband and wife? With regard to commercial loans, assuming that both husband and wife have stable businesses, the loan amount of both will be higher than the personal loan amount, but it cannot exceed the total house price minus the total down payment. For example, it is also to buy a property with a total price of 6.5438+0.5 million. The husband's income is 20,000 yuan, and the wife's income is 6.5438+0.2 million yuan. Assuming that the husband asks for a mortgage loan alone, the down payment may reach 40%. Assuming that both of them have loans, the down payment may be reduced to 30 percentage points. In other words, the maximum amount that one person can borrow is 60% of the total house price, but two people can borrow 70%. Because the repayment of two people may be much higher than that of one person, the bank may give a preferential interest rate of 20% or even 70%. However, from the perspective of the poor, assuming that an intermediary has a bad credit record, it may also lead to loan failure. So when handling provident fund loans, what is the joint loan amount for husband and wife? The joint loan rules of husband and wife in various places stipulate the corresponding maximum amount. For example, in a certain city (Beijing), the maximum amount of joint loan for husband and wife is 6.5438+0.2 million. The maximum amount varies from place to place. In some areas, the amount of husband and wife loans is higher than that of personal loans.
What problems should couples pay attention to when they have loan needs? In the process of buying a house, many signing processes will be involved, such as signing a sales contract, requesting a mortgage loan, buying and selling, etc. This requires the joint participation of both husband and wife. In addition to signing real estate sales contracts, both parties need to participate in mortgage application and transfer procedures. Relevant professionals explained that when requesting mortgage loans, some processes will make the same request in the name of husband and wife, so banks need to be qualified to investigate both and it is necessary to sign relevant procedures. The preparation of documents is the key. Both husband and wife want to buy a house, and they need to provide a lot of documents, none of which can be less. When both husband and wife ask for a mortgage, they need to provide proof of their income and social security. Of course, when handling mortgage loans, it is assumed that the middleman's income is high and it is not a problem to pass the qualification examination, and it is not necessary to provide proof of the other party's income.
What should loan couples pay attention to?
There are exquisite primary loans and secondary loans. Usually, in the bank housing loan contract, only one party is regarded as the "lender" (usually called the main lender), and the other party can be regarded as the "co-lender" regardless of whether the names of both parties are written on the property ownership certificate. When judging the principal borrower, we should choose the spouse with higher and more stable income, and pay attention to age control, otherwise it will affect the loan term. The share is determined in advance. Both husband and wife have bought a house. What is the industry share? This needs to be determined in advance to prevent future disputes. According to the provisions of the Marriage Law: "The property acquired by husband and wife during the marriage relationship belongs to both husband and wife, and both parties have an agreement." Therefore, in the process of buying a house together, even if it is not shown on the property certificate, it will not affect its ownership of the property. Pay attention to personal credit information. No matter whether one of the husband and wife is still asking for a mortgage loan, the bank needs to check the credit information of two people, and one of them needs bad credit information, which will affect the mortgage loan request. This must be paid special attention to.
As can be seen from the above article about how families can borrow money, if the husband and wife jointly borrow money, the amount that can be approved is higher than that of individuals, so people who borrow money to buy a house can consider this.