Legal analysis: as long as the woman agrees, the setting of the main loan is generally:

1. The main lender should choose a spouse with higher income and stability, which is convenient for lending a higher amount.

2. The main lender should choose the younger one of the husband and wife, which is convenient for the loan time to be longer.

3. The main lender should choose a spouse with good credit information. If the credit information is not good, it may affect the bank's loan approval. However, it is necessary to remind buyers that even if the credit information of the main lender is good, there may be problems in the credit information of the repayment person, which will affect the loan approval.

Legal basis: Measures for the Administration of Urban Real Estate Mortgage

Article 1 In order to strengthen the management of real estate mortgage, maintain the order of the real estate market and protect the legitimate rights and interests of the parties involved in real estate mortgage, these Measures are formulated in accordance with the Law of People's Republic of China (PRC) Municipality on Urban Real Estate Management.

Article 2 Whoever engages in real estate mortgage activities within the scope of state-owned land in urban planning areas shall abide by these measures. These Measures shall not apply to the mortgage of the right to use state-owned land for houses without land (including buildings, structures and projects under construction).

Article 3 The term "real estate mortgage" as mentioned in these Measures refers to the act that the mortgagor provides the mortgagee with debt performance guarantee with his legal real estate without transferring possession. When the debtor fails to perform the debt, the creditor has the right to be paid in priority with the proceeds from the auction of mortgaged real estate according to law. The term "mortgagor" as mentioned in these Measures refers to a citizen, legal person or other organization that provides legally acquired real estate to the mortgagee as a debt guarantee for himself or a third party. The term "mortgagee" as mentioned in these Measures refers to the citizens, legal persons or other organizations that accept real estate mortgage as the debtor's debt guarantee. The term "pre-purchased commercial housing loan mortgage" as mentioned in these Measures refers to the behavior that after the purchaser pays the down payment, the loan bank pays the remaining house payment and mortgages the purchased commercial housing to the loan bank as a loan repayment guarantee. The term "mortgage of construction in progress" as mentioned in these Measures refers to the act that the mortgagor, in order to obtain the construction loan of construction in progress, mortgages the legally obtained land use right together with the investment assets of construction in progress to the loan bank as a loan repayment guarantee without transferring possession.

Second, if one spouse wins the lottery for buying a house, can the other spouse be the main lender?

You let the husband and wife buy a house and win the lottery. Can the other party be the main lender? As long as they are legal couples, they can be the main lenders.

Third, can couples buy a house as the woman's main lender?

You can make a woman the main lender.

Couples who have registered for the license can buy a house by one of them as the main lender. Regardless of gender. However, as the main lender, it is necessary to meet the conditions stipulated by the bank. In other words, the main lender must have the ability to repay the loan. Need to have a job and a provident fund. If a woman is a housewife, has no job and no source of income, she can't be a major lender.