How to choose the main lender for husband and wife to buy a house by loan?
1, depending on income
When choosing the main lender, it can be determined according to the income level of both parties.
However, income is not the only factor that determines the loan subject. We should be clear that people often make such mistakes in their lives. Generally speaking, people with stable and high income are beneficial to the loan qualification examination.
You can get a higher loan amount, and high income means that buyers have stronger repayment ability, which is less likely to lead to the danger of default, and bank lending is more secure.
2. Look at the policy
At present, many places are implementing the purchase restriction policy. I can't buy a house if I want to. Banks in some areas have restrictions on loans to people with non-local accounts, and buyers should determine the main lender according to their accounts.
Buyers need to pay special attention to the credit policy in this area. Buyers can generally choose people who meet the loan policies of local banks as the main lenders, which will avoid a lot of trouble and enjoy more preferential policies.
3. Look at personal credit information
Personal credit information is actually used a lot in our life, and there are also many behaviors that affect personal credit information in life.
This is a problem that everyone should pay attention to at ordinary times. If both husband and wife borrow money to buy a house, the credit information of both husband and wife will affect the loan.
But there are exceptions, that is, some banks will mainly look at the credit information of the main lender.
If there is something wrong with the credit record of the main lender, the bank will definitely not accept the loan application.
Even if the bank approves the loan, the loan amount that buyers can get may be very low.