In order to buy a house as soon as possible, everyone has various methods now. Some friends have insufficient funds to buy a house and will consider buying a house by many people. After many people buy a house, everyone will also face the problem of jointly repaying the mortgage. In fact, there have been reports about the contradiction caused by joint mortgage repayment before, and it is best not to buy a house by joint mortgage repayment.

In order to buy a house as soon as possible, everyone has various methods now. Some friends have insufficient funds to buy a house, so they will consider buying a house by many people. After many people buy a house, everyone will also face the problem of jointly repaying the mortgage. In fact, there have been related reports about the contradiction caused by joint mortgage repayment. What are the disadvantages of jointly repaying mortgage loans? What do banks require of co-payers?

What are the shortcomings of mortgage co-payers?

1. Your name is written on the property certificate, and he is the guarantor. If you write down your name, the ownership of the house will be yours.

His name is written on the real estate license. He will buy a second suite in the future, which will have a little impact on his mortgage (bank loan interest)

If the co-payer cancels, of course, the loan must be paid off. If you have 20w in hand in advance, you can go to the bank to pay it back, and the interest in the later period will be gone. If you add his name and change it to your new name later, you will have to go to the local housing authority to change the ownership (in this case, it will be regarded as a half transfer).

4. Co-payors are usually immediate family members of borrowers under the same account, such as parents, children, brothers and sisters or shareholders who have economic contacts with companies and corporate legal persons ... similar to guarantors but different from guarantors. It can directly ask the co-repayers to fulfill their obligations to repay the borrower's bank debts without legal procedures when the borrower is unable to repay the bank debts.

What do banks require of co-payers?

1. I was single before the loan, and now I have a new spouse: the borrower and spouse go to the original loan outlet at the same time with the original ID card, household registration book and copy of marriage certificate.

2. If parents or children of the same family are added as co-payers, the borrower and the immediate family members of the same family will go to the original loan outlet with the original ID card and a copy of the household registration book. Note: If the applicant has used the housing provident fund and the loan ratio of the borrower does not exceed 50% of the total purchase price, it can be added; If the loan ratio exceeds 50%, it cannot be added.

What are the shortcomings of mortgage co-payers? What do banks require of co-payers? There are also some advantages to jointly repaying mortgage loans, that is, the pressure of buying a house is not so great, but it is easy to produce contradictions when repaying. The above also analyzes the related disadvantages for everyone, and banks also have requirements for co-repayers. For details, you can trust the consulting bank.

What are the advantages and disadvantages of husband and wife borrowing money to buy a house together?

Benefits of joint loan for husband and wife to buy a house

Expand the loan amount and reduce the economic pressure.

At present, many banks require that the monthly repayment amount should not exceed half of the lender's monthly income when approving housing loans.

Provident fund loans save interest, and couples can apply for housing loans together, which can increase the loan amount of provident fund.

Disadvantages of joint loan between husband and wife

If you have to say it badly, it is a question of how to divide it after divorce, or who will pay back how much. In fact, if handled properly, the advantages outweigh the disadvantages.

How about a couple borrowing money to buy a house together? Pay attention to these things!

Many people plan to borrow money to buy a house after marriage. It is a good choice to choose a joint loan between husband and wife, because both the success rate and the loan amount are relatively high. If you are borrowing for the first time, there are many aspects to pay attention to. Today, we will briefly introduce them.

1, personal loan to buy a house needs to review my information. If the husband and wife jointly borrow money to buy a house, there are also requirements for the age of the loan. Generally speaking, the age of the lender is above 18 and below 65, so first of all, the age of both husband and wife must meet, and the younger the better, so the loan period will be longer.

2. The importance of personal credit. Since both husband and wife handle real estate on a family basis, there should be no problem with either party's credit information, otherwise it will affect the approval of mortgage. If you want to get a high loan, the credit information of the main lender must be very good, otherwise it will be difficult to pass.

3. Attend in person. Buying a house by loan is a complicated and long process, and there are many processes and procedures, such as signing a sales contract and handling the transfer formalities, which require both parties to be present at the same time.

4. Who should be the main lender? This also needs to be considered clearly. Generally speaking, the bank will judge the main lender according to the person with higher income of both husband and wife, and sign the "lender" in the bank housing loan contract.

In order to prevent more disputes after divorce, it is suggested that everyone determine their respective shares. According to the provisions of the Marriage Law, the property acquired by husband and wife during the marriage relationship belongs to the husband and wife jointly, unless otherwise agreed by both parties.

What are the shortcomings of mortgage co-payers? How to determine the main lender

With more and more people buying a house, the various processes that need to be handled in buying a house have become complicated, especially in terms of loans and repayments. There are many situations of repayment now. Some people repay their loans, and some also repay their mortgages together. There will be no conflict in individual mortgage repayment, but there is no need to repay the mortgage together. What are the disadvantages of mortgage co-payers?

With more and more people buying a house, the various processes that need to be handled in buying a house have become complicated, especially in terms of loans and repayments. There are many situations of repayment now. Some people repay their loans, and some also repay their mortgages together. There will be no conflict in individual mortgage repayment, but there is no need to repay the mortgage together. What are the disadvantages of mortgage co-payers? How to determine the main lender?

What are the shortcomings of mortgage co-payers?

1. Your name is written on the property certificate, and he is the guarantor. If you write down your name, the ownership of the house will be yours.

His name is written on the real estate license. He will buy a second suite in the future, which will have a little impact on his mortgage (bank loan interest)

If the co-payer cancels, of course, the loan must be paid off. If you have 20w in hand in advance, you can go to the bank to pay it back, and the interest in the later period will be gone. If you add his name and change it to your new name later, you will have to go to the local housing authority to change the ownership (in this case, it will be regarded as a half transfer).

4. Co-payors are usually immediate family members of borrowers under the same account, such as parents, children, brothers and sisters or shareholders who have economic contacts with companies and corporate legal persons ... similar to guarantors but different from guarantors. It can directly ask the co-repayers to fulfill their obligations to repay the borrower's bank debts without legal procedures when the borrower is unable to repay the bank debts.

How to determine the main lender?

1. When husband and wife jointly apply for a loan to buy a house, they pay attention to who gets the main loan and who gets the sub-loan. In the face-to-face interview, the bank loan officer will ask which one of the husband and wife is designated as the "lender" and which one is designated as the "co-lender" to participate in the repayment. When determining the primary lender and the secondary lender, it must be determined according to the actual situation, and can be analyzed from the aspects of income, credit information and age.

2. If the husband and wife jointly borrow money to buy a house, the main lender should choose the one with higher income and stability. The bank will evaluate the repayment ability of the applicant through the income certificate or the running water of the bank, so it is easier for the bank to approve the loan when the high-income and stable party is taken as the main lender during the face-to-face signing.

3. Inquiring about the personal credit information of both husband and wife is an essential link for husband and wife to jointly apply for loans. Generally speaking, the party with good credit information should be the main lender, because when the husband and wife jointly borrow money to buy a house, as long as one party has credit information problems, it will affect the approval of mortgage loans. Generally speaking, banks will not accept loan applications if there is a problem with the credit record of the main lender.

These are the disadvantages of mortgage co-payers? How to determine all the contents of the main lender? When you see the borrower, I believe everyone understands that two people are jointly repaying the mortgage. Some friends think there is no problem, but it actually has something to do with it. This article also talks about this aspect. After reading it, you can also think about these problems yourself.