How to avoid risks by buying a house with a loan after marriage
1 Choose the party with good credit information.
If the credit status of the main lender is not good, the chances of bank lending are small. Therefore, before applying for a loan, we must ensure that both husband and wife have good credit information and choose the party with good credit information as the main lender. If sub-prime lenders have credit problems, it will have little impact on mortgage loans.
2 choose the side with stable career.
When approving loans, banks will give priority to property buyers whose occupations belong to civil servants, employees of state-owned enterprises, employees of institutions, doctors or teachers. Therefore, if you choose to entrust a lender, you can choose a stable spouse.
Choose a younger party.
The bank stipulates that individuals applying for loans must be over 18 years old, men over 65 years old and women over 60 years old are not allowed to apply for loans. In order to obtain a longer loan life, the main lender had better choose a younger spouse. The younger the main lender, the longer the loan period.
4 Choose the one with high income.
As the main object of bank audit, the main lender is more favored by banks because of its stable income. When reviewing the borrower's information, the bank judges whether the borrower has the repayment ability through the borrower's income certificate or the bank's running water. Therefore, choosing the party with high income as the main lender is more conducive to obtaining high loans.
I hope the above four skills can help those in need.