Three people can apply for a mortgage together, as long as all three people who apply for a loan meet the conditions of a mortgage. Among them, the lender is required to be at least 18 years old, have full capacity for civil conduct, have a stable income and work, and be able to repay the loan.

1, in principle, the lender of house purchase loan can only be a spouse. Parents can be * * * borrowers, and this is the case when your name is written on the house book. If parents depend on their age, they also depend on which bank they go to.

2. Without a loan, you can write the names of several people at will.

3. The loan house is naturally the name of the loan or the main loan. Some bank loans can also be two opposite sexes who are not related by blood.

Yes, but the three people on the property ownership certificate must apply for a loan as the lender of the loan. Please understand.

Three or more names can be written on the real estate license, and those with names belong to the owner of * * *. The three parties must attend at the same time to reach an agreement on the share of * * * *. If one party cannot be present, a notarized power of attorney can be issued and the share can be explained. For details, please consult the local housing management department. The real estate license can only be issued by the real estate department. Real estate license is a written proof of the ownership of a specific house, which can record the status of a specific house and whether a security interest has been set.

Three people apply for a loan together. Let's apply for a loan together. Applying for a three-person joint loan means that when you apply for a loan from a bank, the bank will definitely reject your application. Therefore, when applying for a three-person joint loan, we must consider the expected annualized interest rate, because once the loan expires, the bank will recover it. In this case, the three-person joint loans are all high-quality customers, one is the main lender and the other is the sub-lender.

When applying for a loan, the applicant needs to pass the property right audit, and then the bank will comprehensively evaluate whether to lend according to the information you provide. If your personal qualifications meet the loan application conditions, the bank will inform you to fill in the relevant contents. When applying, you need to fill in a submission contact information in the submission materials and ensure that the loan application can be completed accurately. In this way, the bank will lend 200,000 yuan, so many people want to know whether these three people can jointly borrow money. It should be noted that three-person joint loans are divided into automatic loans and non-contact loans. So when we apply, we can choose three banks, all of which are joint loans, and we need to contact them and the applicants. First, you don't have to worry too much if you submit it automatically here. As long as you keep your information safe, there will always be corresponding answers.

What do you mean by mortgage and borrower?

To put it more bluntly, it is to go shopping with you. At that time, you all have the legal property right of this thing. If one of you can't repay it for some special reason, the other party must pay it back! The borrower of a mortgage is generally a person who borrows money from a bank, whether it is a spouse, immediate family member or property owner. * * * The borrower can be the owner of the purchased house or other natural persons who meet the loan conditions. * * * The same borrower is common in bank loan business. The most typical example is that in the housing mortgage loan, both husband and wife or the same buyer of the house apply for a loan from the bank as the same borrower. The relevant personal loan system clearly stipulates that the same borrower can be the owner of the purchased house or other natural persons who meet the loan conditions. In practical work, the * * * owner of the house as a * * * borrower is easy to understand and grasp because of the similarity between the * * * owner and the * * * borrower. However, for other natural persons as * * * borrowers, there are many uncertainties due to the inconsistency between other natural persons and * * * borrowers, which often involves many factors such as motivation and background, as well as complex social and legal relations and information asymmetry. Therefore, it is generally required to strengthen the prevention of risks arising from such borrowers. * * The borrower is the immediate family member of the property buyer or owns the same property right. Since we are just friends, I suggest you be careful. The * * * with the debtor refers to the spouse, because the property of husband and wife is jointly owned by * * *, and the debt is jointly owned by * * *. When the property is mortgaged, the transfer must be signed by the spouse. If it is not signed, it cannot be transferred.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

Can two people get a mortgage together?

Two people can apply for a house loan, as long as both parties meet the conditions of a house loan. The terms of the house loan are: 1. At least 18 years old, with full capacity for civil conduct;

2. Have a stable income and job and be able to repay the loan;

3. Can provide ID cards of both parties;

4. Proof of marital status. If both parties are husband and wife, a marriage certificate can be provided; If the two parties are not husband and wife, they need to provide their marriage certificates or single certificates.

Mortgage method:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

For the part with insufficient funds, residents will generally apply for personal housing provident fund loans in addition to using their savings for many years, and then apply for personal housing mortgage loans from banks to solve the problem. The combination of personal housing provident fund loans and bank personal housing mortgage loans has become the most common way to buy a house. Because it is more realistic and reasonable, after all, the amount of personal housing provident fund that each family can borrow will not be much. If all loans are made to banks, the interest burden will be too heavy.

Personal housing provident fund loan belongs to policy personal housing loan and has certain policy subsidy nature. As long as the individual's unit has established a housing provident fund and paid the provident fund on time, it has the right to apply for a loan. Its biggest advantage is the low interest rate. Moreover, the larger the loan amount, the longer the term, and the more impressive the spread.

What do you mean by mortgage and borrower?

* * * In the bank loan business, the same situation as the borrower's loan is very common. Generally speaking, the borrower's signature in the loan contract is * * * and the borrower. * * * The borrower can be the owner of the purchased house or other natural persons who meet the loan conditions. As a borrower, the owner of the house is easy to understand because it is similar to the borrower. However, due to various factors, other natural persons will also be co-borrower.

I. Concept of * * * and Borrower

In fact, * * * is common with borrowers in the bank's loan business, such as the housing mortgage loan that we are all familiar with. Or when the * * * buyer of the couple's house applies for a loan from the bank as a * * * borrower, the * * * borrower can be the owner of the house and the * * * repayment obligation subject of the * * * loan.

* * * The same borrower in private lending mainly refers to the relationship that two or more people borrow money from the same creditor for the same purpose or agreed purpose. A loan relationship in which two people and the creditor agree that the debt is shared by two people or the principal and interest due are shared by two people.

Through the concepts of * * * and borrower, we can simply analyze the corresponding characteristics of * * * and borrower.

1. The borrower is two or more borrowers. Natural persons and unincorporated organizations can borrow money from the same lender as the same borrower. * * * The subject of the same loan is not necessarily two natural persons, and a natural person and a legal person can borrow together.

2.*** The same lender, that is, the lender, must be the same lender, that is, more than two borrowers want to borrow from the same lender.

3. Two or more borrowers must have the same borrowing purpose or agreed borrowing purpose. Only if the purpose of borrowing is the same, it is possible to reach a loan intention with the lender. For example, housing mortgage loan, the purpose of the same borrower loan is to buy a house together. Based on the same purpose of borrowing, it is possible to reach the same intention of borrowing.

4. After the loan intention is reached, the borrower and the lender need to agree on the nature of the creditor's rights, whether it is a separate creditor's right or a joint creditor's right. Joint creditor's rights mean that two borrowers are jointly and severally liable for the same creditor's rights, regardless of the loan amount. According to different claims, the same claim is divided into different shares. * * * It is agreed with the borrower that each person will bear a specific share, and the borrower will not bear joint and several repayment responsibilities.

Legal basis: Article 84 of General Principles of Civil Law of People's Republic of China (PRC): Debt is a specific relationship of rights and obligations between the parties according to the contract or the law. Creditors are creditors and debtors are debtors. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or the provisions of the law.

Article 86 Where there are more than two creditors, they shall share the rights according to the determined share. If there are more than two debtors, they shall share the obligations according to the determined share.

Article 87 Where there are more than two creditors or debtors, each joint creditor shall have the right to require the debtor to perform its obligations in accordance with the law or the agreement of the parties. Every debtor with joint and several debts has the obligation to pay off all debts, and the person who has fulfilled his obligations.

Article 86 Where there are more than two creditors, they shall share the rights according to the determined share. If there are more than two debtors, they shall share the obligations according to the determined share.

Mortgage * * * is the same as repayment terms.

Mortgage loans to buy a house, if the names of two people are written, then the bank should examine the comprehensive situation of two people. Mortgage lenders and repayers generally require the following conditions:

1, with stable work and income and repayment ability. It is required to prove that the income of the lender and the owner of * * * is 0.5 -2 times of the monthly payment of 65,438+,and the monthly running water of the bank covers 4 times of the monthly payment.

2. Good credit record and no overdue records. You can't have three consecutive overdue times and six overdue times in two years.

3. Must be the borrower's spouse or family member, and can provide proof of relationship with the main lender, such as marriage certificate, household registration book, etc.

4, must have the same loan conditions as the borrower. Continuous deposit of housing provident fund for not less than six months; There is no housing provident fund repayment debt, and there is no outstanding debt that may affect the repayment of housing provident fund loans.

Extended data:

* * * The same borrower, that is, the same borrower, generally thinks that the borrower's repayment ability is insufficient, and there is a possibility that he can't repay in full and on time, so he is required to find the same borrower.

The purchase contract and loan contract are signed by you alone, and the property right of the house is still yours alone. * * * co-borrower actually provides guarantee for your mortgage repayment. Once you default, the bank may ask co-borrower to repay the loan for you.

* * * The same borrower only undertakes the guarantee responsibility and does not enjoy the property right of the house. Provide you with repayment guarantee, not counting his own purchases.

You need to find someone with higher income and better property status as the repayment target. Because * * * only obligations have no rights, only close relatives or close friends are willing to serve.

* * * The borrower and the creditor shall be jointly and severally liable, that is, the creditor may claim all the creditor's rights from any one person, and neither party may oppose the creditor's rights with its internal debt distribution agreement. There are two kinds of guarantee, one is general guarantee and the other is joint guarantee.