The main lender refers to the borrower, that is, the main person in charge of the loan, and the lender is also called the lender. First, the lender is required to be an immediate family member, that is, husband and wife, children and parents. In the housing loan contract, only one of the husband and wife is generally designated as the "lender", and the other party participates in the loan as the "* * * lender".
The main lender is the main target of bank audit. Generally, the main lenders are the ones with better financial resources and credit status, so it is easy to get loans and the sub-lenders will be audited, but the requirements for sub-lenders will be slightly lower.
1. The loan record is displayed differently in the credit report: only one loan record will be generated when applying for a housing loan, and this loan record will only be displayed in the credit report of the main lender, while the credit report of the sub-lender will not have this loan record.
2. Different qualification requirements: Under normal circumstances, when a bank applies for a loan, the party with good credit status will be the main lender and the other party will be the sub-lender.
3. Different loan years: the years of applying for mortgage loans are calculated according to the age of the main lender, not the age of the sub-lender.
4. The order in which the provident fund is used to repay the loan is different: when the provident fund is used to repay the mortgage, the balance of the provident fund account of the secondary lender will be used only after deducting the balance of the provident fund account of the primary lender.
If you want to apply to the bank to change the main lender, you need to get the consent of the bank first, then you need to reach an agreement with the changer, and then apply to the bank. What is provided is to change the identity document of the main lender, but also to provide a running bill, and the bank has to check the repayment ability and credit problems of the individual.
When determining the first-class lender and the second-class lender, the husband and wife must decide according to the actual situation. Under normal circumstances, in a bank housing loan contract, only one party is regarded as a "lender" (usually referred to as the main lender), and the other party can be regarded as a "* * * lender" regardless of whether the names of both parties are written on the property ownership certificate. When determining the main lender, we should choose the husband and wife with high and stable income. In addition, we should pay attention to the age limit, which may affect the loan term.
Second, pay attention to the change of credit policy.
For non-local residents, do your homework when buying a house. If you can't provide the local tax payment certificate or social insurance payment certificate for more than 1 year, you will be treated differently. For example, the down payment ratio of mortgage will increase and the interest rate will rise, which will undoubtedly increase the cost of buying a house.
Third, friends should be cautious when buying a house in partnership.
When friends buy a house in partnership, it may be more troublesome to apply for a loan. Some banks are relatively cautious about lending to two unrelated people. If there is no problem with the income certificate issued, it may be relatively easy to find a commercial bank with loose policies. Common loans need to be divided into main lenders and sub-lenders, and the difference in repayment ability between people can easily lead to differences in the ownership of housing property rights.
Legal basis: People's Republic of China (PRC) City Real Estate Management Law.
Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.
Article 62 When a real estate is mortgaged, it shall be registered with the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.
People's Republic of China (PRC) Civil Code
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan. Article 672 The lender may inspect and supervise the use of the loan as agreed.
The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.
Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.