First, the benefits of husband and wife with loans
1. Expand the loan amount and reduce the economic pressure.
At present, when approving housing loans, many banks require that the monthly repayment amount should not exceed half of the lender's monthly income, and they cannot lend unless they meet the requirements. But it is much easier for two people to borrow money together.
For example, Xiao Li is going to buy a house and apply for a housing loan. He needs to repay 3,000 yuan a month, while Xiao Li's monthly income is 5,000 yuan, which does not meet this requirement of the bank. However, if the husband and wife borrow together, the monthly income must add up to more than 6,000 yuan, which meets the basic requirements of bank loans, and because they both repay the loan together, the economic pressure is relatively small.
Second, what matters should the husband and wife pay attention to when buying a house with a loan?
1. Materials needed to prepare a house with a * * * loan:
A. ID card (double-sided for 2nd generation);
B. Household register (front page, index page, individual page);
C, proof of income (provided by the bank, only need to stamp the unit seal on it);
D. purchase contract;
E. marriage certificate;
F, down payment receipt.
Among them, ID card, household registration book, marriage certificate and down payment receipt need to be copied in triplicate.
2. Both parties shall attend the formalities.
If the contract is signed by both husband and wife, both parties need to be present in person when signing the contract. If one party cannot attend, it must go through the formalities of notarization and authorization.
When applying for mortgage loan, both parties need to be present in person.
When applying for a mortgage, they sometimes apply together in the name of husband and wife, so the bank needs to examine the qualifications of both of them at the same time and must sign at the same time when handling relevant procedures.
4. In principle, it is required to be present at the same time when handling the transfer formalities.
According to the Property Law, whether the property jointly purchased by husband and wife belongs to * * * and * * * or is jointly owned by several shares needs to be reflected in the sales contract and then stated in the property ownership certificate, so both parties need to be present to sign and confirm. However, if you can't be present, you must also go through notarization and entrustment procedures and explain related matters.
5. The identity of the "main lender" must be determined.
In the bank's housing loan contract, only one of the husband and wife is generally recognized as the lender and the other is the lender. When determining the main lender, we should choose the one with high and stable income between husband and wife. Because when signing the housing loan contract, the bank requires the lender to buy comprehensive insurance for housing mortgage loan, which covers the liability insurance for repayment guarantee. If the lender dies or is disabled unexpectedly, the insurance company will also bear the remaining repayment responsibilities.
note:
Whether one of the spouses is the "main lender" or not, both spouses have the obligation to repay the housing loan. Only when the divorced party judges the real estate can it make a request to change the house lender and relieve the obligation of repaying the loan.