To apply for a loan to buy a house, banks generally require borrowers to provide proof of income, and banks are qualified to provide proof of income. The amount on the general income certificate is more than twice the monthly repayment amount. However, in some cities with high housing prices, the income of one spouse may not meet the lending standards set by the bank. At this time, both husband and wife can choose to apply for a loan by means of "* * * loan". However, when a husband and wife borrow money to buy a house, their names can be written on the real estate license at the same time, but there is only one main lender and the other is the same lender.
So, here's the problem. Husband and wife borrow money to buy a house. Who is the main lender? ?
See the letter of credit?
Credit information is becoming more and more important in our life. To buy a house with a loan, you must first check the credit information. Banks attach great importance to the credit information of borrowers. Banks check credit information, mainly the main lenders. If there is something wrong with the credit information of the main lender, the bank will not accept the loan application. Even if it is reluctantly approved, it will affect the loan amount, loan term and interest of the lender.
* * * The credit information of the same borrower is not very important, but if there is a problem with the credit information of the same borrower, it will definitely have a certain degree of influence. Generally speaking, the repayment partner needs to pay off the arrears and late fees before applying. Although the loan amount and interest rate will also be affected, the credit information of the main lender is good, so the loan approval rate can be improved.
Look at the income?
In order to get the mortgage smoothly, the income of the lender is the most important. Because banks will evaluate the repayment ability of loan applicants through income certificates or bank running water, the higher the income, the more stable it is, and the easier it is for banks to approve loans. Therefore, it is recommended to choose the party with high and stable income as the main lender during the interview. Look at the occupation. It is easier to become a major lender if you have a stable job. After all, stable jobs have stable jobs. Ordinary civil servants, employees of state-owned enterprises, employees of public institutions and other professional lenders are all "favored" by banks. Compared with loan applicants in high-risk industries, it is easier for lenders with stable jobs to apply for loans.
Look at the age?
Age is also an important factor in choosing the main lender. The main lender tends to be younger, so the loan term will be longer. The bank has regulations on the age of the lender. Most banks stipulate that the age limit for personal loans is above 18 and below 65. Generally speaking, it is difficult for men over 65 and women over 60 to obtain bank loans. Therefore, the younger the main lender, the longer the loan period can be obtained.
Look at the policy?
In the context of destocking, various loan policies such as provident fund and commercial loans have been introduced in various places, and the loan subjects should also take this into account, otherwise it will increase the cost and difficulty of buying a house.