The main lender must be written on the real estate license. When handling the mortgage, the main lender must be consistent with the person on the purchase contract, that is, if you want to handle the mortgage, you need to write your own name on the purchase contract, and the name on the real estate license is subject to the purchase contract, so you can't do it. The main lender is not on the property certificate.

The difference between a primary lender and a secondary lender.

1. The ownership of loan records is different.

A loan business will only produce a loan record, which will only be displayed on the credit report of the main borrower, and the credit report of the sub-lender with the same loan will not show the loan record.

2. The repayment order of provident fund is different.

Where the repayment procedures of provident fund are handled, the repayment order of provident fund is: the balance of basic account of the main borrower-the balance of supplementary account of the main borrower-* * and the balance of basic account of the borrower-* * and the balance of supplementary account of the borrower. That is, the balance in the secondary lender's provident fund account will not be used until all the balances in the primary borrower's provident fund account are deducted.

3. The calculation method of loan life is different.

Whether it is a commercial loan or a pure provident fund loan, one of the calculation methods of loan life: according to the age of the borrower, according to the age of the main borrower, not according to the age of the subprime lender who borrowed the same loan.

4. Banks have different qualification requirements for borrowers.

Banks tend to let spouses with better qualifications (income and credit information) as the main borrowers to reduce the risk of bad debts.

Conditions for applying for housing loans

1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;

2. The sum of the applicant's age and the loan period shall not exceed 70;

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

5. There is a valid guarantee recognized by the handling bank;

6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;

7. Other conditions stipulated by the handling bank.