The name of the house is different from the name of the loan. It is illegal for a developer not to give a purchase contract. According to relevant information, the name on the real estate license can be different from the lender's name. The name on the real estate license indicates the ownership of the house, and the lender in the loan contract is the main repayment person of the house loan. These two names may not be the same person, so it is illegal for developers not to give the purchase contract because the house name is different from the loan name.
If you don't have enough money to buy a house and need a loan, must the purchase contract be consistent with the lender?
The name on the real estate license can be different from the lender's name. The name on the real estate license indicates the ownership of the house, and the lender in the loan contract is the main repayment person of the house loan. These two names may not be the same person. For example, some parents can write their children's names when buying a house for their children. No matter whether the child is an adult or not, there is no fear, because parents are borrowers of loans, as long as the repayment ability passes the bank's audit.
Must the purchase contract and the lender be the same person?
Yes!
The buyer and lender on the purchase contract must be the same person.
However, if the buyer cannot repay the loan, there can be a co-payer.
There are two names on the purchase contract. Can I borrow money in the name of one person?
There are two names on the house purchase contract, and loans cannot be made in the name of one person.
1. The loan contract name must be the same as the house purchase contract name. There is an exception, that is, when you can't repay alone or have insufficient repayment ability, you can ask your father or mother to guarantee repayment. In this case, only your name is written on the house purchase contract, and your relatives and your name are written on the loan contract. Only in this case can the names of the house purchase contract and the loan contract be inconsistent. Otherwise, the names of the two contracts should be the same.
If your income has reached the requirements, you don't need your mother to provide proof of repayment ability. That's not why the bank asked your mother to provide proof of social security. It should be that your mother's household registration is not in Beijing, but in other places. Now the national policy is that foreign household registration needs to provide a one-year tax payment or social security certificate to buy a house locally.
3. When making a loan, the person named in the house purchase contract needs a household registration book, an ID card and a marriage certificate, which are all necessary; As for proof of repayment ability, such as proof of income, unless one party has the ability to repay alone, it must be provided.
Can't the purchase contract and the lender be the same person?
Hello, the names of the purchase contract, the purchase price and the real estate license must be unified. If it is a loan, the mortgagor on the bank loan contract should also be unified, otherwise it will not be handled. The name on the real estate license is the same as the name on the contract, but if you haven't applied for the real estate license, you can apply for joining in the name of co-owner when you apply for the real estate license, and then apply for the joint ownership certificate when you get the license. Under normal circumstances, it is impossible.
If you want two people to jointly own the property, you can apply for a joint property right certificate, that is, the name of one person must still be on the property right certificate, and the attached joint property right certificate can legally indicate the joint ownership of the property. At the same time, both parties agree on their respective capital contribution or share, so as to divide the property reasonably when it appears. The possible exceptions are: if the commercial house is paid in full before marriage, two people can sign the contract when the joint ownership is proposed, and the joint ownership certificate can be applied when the real estate license is applied; However, if it is a loan to buy a house, it can only be handled according to the principle of who borrows it and who signs it, so as to ensure that the signatures on the house purchase contract, loan contract and real estate license are unified. The reason is to avoid the risk of bank loans.
The property owner of the real estate license is determined according to the subject of the purchase contract, so it must be shared by the same person or several people. It depends on the specific situation, especially the contract filed online. A new contract is needed to increase the co-owner of the real estate license. If the original contract has been filed, the developer shall apply for withdrawal and re-file a new contract.
Can't the buyer and the lender be the same person?
Buyers and lenders cannot be different.
According to the relevant regulations, when buying a house with a loan, the name on the house purchase contract and the real estate license must be unified. If a house is bought by loan, the name of the principal lender on the loan contract must be the same as the name of the house buyer. After all, mortgage is based on the purchased property. If the purchaser and the lender are not the same person, it may lead to the inability to apply for mortgage.
China knowledge supplement:
1. What factors will affect the mortgage approval?
1. Personal credit history. Before the loan, the bank will check the personal credit record first. If it is overdue, the loan application will be rejected.
2. Repayment ability. An individual's repayment ability determines whether a loan can be approved. If an individual is in debt and his income is unstable, it will affect the approval of the loan.
3. Personal loan default. If a personal loan defaults, and it still cannot be loaned after more than 24 records.
4. down payment. Only when the down payment reaches a certain standard can the housing loan be issued normally, otherwise it will be easily rejected.
5. Too much debt. Loans will be affected if the monthly repayment amount of the lender's credit card exceeds 50% of the monthly income, or if the car loan exceeds 50% of the monthly income.
Second, how to choose the main lender who borrows money to buy a house?
1. Look at the credit information of both parties.
General banks have higher requirements for credit information of main lenders. If one of the husband and wife has a credit problem, it can't be the main lender. Therefore, both husband and wife have good credit information, and choose the one with good credit information as the main lender, which is convenient for obtaining the loan approval from the bank smoothly.
2. Look at the age.
Although most couples are about the same age now, there are also some couples who are very different in age. In this case, it is suggested to choose the younger party as the main lender. According to the regulations of the bank, the lender is over 18 and under 65. If one of the husband and wife has passed the bank limit, it is impossible to apply for a loan. If you choose a younger party to apply for a loan, you have a greater chance of getting a loan and the loan amount is slightly higher.
3. Look at the policy.
In some places, there are also restrictions on the accounts of buyers. For example, banks have restrictions on loans to people with non-local accounts, and the down payment ratio of loans to buyers with non-local accounts will increase, or the restrictions on loan interest rates and years are different. If one of the husband and wife is registered in a foreign country, it will avoid a lot of trouble to choose someone who meets the loan policy of the local bank as the main lender.
4. Look at the work.
Generally speaking, it is better to choose the party with stable job and higher income as the main lender. As far as banks are concerned, some occupations can easily get loans, while others will refuse loans. People with stable income can get a higher loan amount in the loan qualification examination, such as civil servants, institutions and state-owned enterprises. , so that the main lender has stronger repayment ability and is less likely to default.