In this society where prices continue to soar and wages remain stable, buying a house has become a permanent pain in everyone's heart. How to buy a house with limited savings? For young couples, this is an urgent problem to be solved. Due to the limited amount of provident fund loans, the emergence of husband and wife loans has alleviated a lot of pressure for everyone. So who will be the main lender when the husband and wife borrow the same money? Let's take a look with Bian Xiao!

1. What is the maximum amount of provident fund and loan for both husband and wife?

The formula for calculating the maximum loanable amount is: the monthly income of the borrower's family (monthly income = the monthly contribution of the employee's individual housing provident fund ÷ the contribution ratio of the employee's housing provident fund), the remaining amount after deducting the monthly living expenses of at least 400 yuan, and then dividing it by the monthly repayment amount of the loan per 10,000 yuan during the loan application period, which is the maximum loanable amount. The following is the maximum amount of provident fund loans for individuals and couples in major cities across the country.

Second, the husband and wife * * * use the loan to buy a house to prepare materials

1, ID card (double-sided for 2nd generation)

2. Household registration book: home page, index page and personal page.

3. proof of income: provided by the bank, only need to stamp the unit seal on it.

4. Purchase contract

5, marriage certificate: just take one.

6. Deposit receipt

1, 2, 5, 6, all copies are generally in triplicate.

Three. Matters needing attention in the process of buying a house with the same loan for husband and wife

1. The signing parties are present in person: in the process of buying a house, many signing processes are involved, such as signing a sales contract, handling mortgage, transferring ownership and other transactions, and both husband and wife need to be present at the same time. Under normal circumstances, when * * * buys a house, the names of two people should be stated on the real estate license, and both parties should be present in person; If one party cannot handle it on the spot, it must go through the notarization authorization procedures.

1. In addition to signing the real estate sales contract, both parties shall be present in person when applying for mortgage and handling the transfer formalities. Experts explained that when applying for a mortgage, they sometimes apply in the name of husband and wife, so banks need to review the qualifications of both parties and sign at the same time when handling relevant procedures.

3. When handling the transfer formalities, in principle, it is required to be present at the same time, because according to the Property Law, whether the property purchased by husband and wife is owned by * * * or owned by * * * needs to be reflected in the sales contract and then stated in the property ownership certificate. Therefore, 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.

Fourth, the advantages of husband and wife buying a house with the same loan

Why set up a "* * * co-lender"? The main reason is to expand the loan amount. At present, many banks require that the monthly repayment amount should not exceed half of the lender's monthly income when approving housing loans.

Another factor worthy of attention is of course the housing provident fund. Couples applying for housing loans together can increase the amount of provident fund loans. The interest rate of provident fund loans is lower than that of commercial housing loans 1.9 percentage points. If the proportion of provident fund loans that couples can use when applying for housing loans increases, the interest they need to pay on housing loans will naturally decrease.

Five, both husband and wife provident fund * * * and who is the "main lender" is particular about loans.

In the bank's housing loan contract, only one of the husband and wife is generally designated as the "lender", and the other party can be regarded as the "* * * lender". For "* * * and the Lender", it is not only required to be the immediate family members of the Lender (husband and wife, children and parents), but also to be one of the owners of the mortgaged property with the housing loan. However, this article is an exception for husband and wife. Even if there is only one husband and wife's name on the real estate license, the other party can also be the "* * * lender" of the housing loan.

* * * When signing a housing loan contract, the bank requires the lender to purchase comprehensive insurance for housing mortgage loans. This comprehensive insurance covers two aspects. One is property damage insurance. When the mortgaged property suffers from fire, storm, collapse and other property losses within the prescribed scope, the insurance company shall bear the property losses; There is also a loan repayment guarantee liability insurance. If the lender accidentally dies or is disabled, the insurance company will also bear the remaining repayment responsibilities. Therefore, when choosing the main lender, we must choose the pillar of the family as the main lender, so that when the house encounters an accident, the insurance company can bear the remaining loan.

6. Who will bear the debt after the marriage hits the rocks?

After investigation by marriage experts, it was found that the divorce rate of couples who borrowed money to buy a house was relatively low. This conclusion, at first glance, sounds a bit funny, but when you think about it, it is really true. Involving the economic burden of * * *, family disintegration may face more practical difficulties, and how to solve the housing loan problem is one of them.

If there is no name on the loan contract, don't you have to bear the obligation to pay debts? The answer is obviously no, just as the property acquired by married couples belongs to the same property, so do their debts after marriage. Whether he is the "main lender" or not, he has the obligation to repay the housing loan. Only when the property is determined to be owned by one of the divorced parties can one party request to change the house lender and relieve its repayment obligation. If he unilaterally thinks that he has not participated in the loan contract, he does not have to continue to fulfill his debt repayment obligations, which is undoubtedly his misunderstanding of the housing loan.

Both husband and wife's provident fund and loans provide convenience in reducing the burden of future life and ensuring the quality of life, but it is really necessary to pay attention to the above contents when determining the "main lender" to reduce the losses caused by man-made disasters.

The above is the related knowledge of husband and wife provident fund and loan, and I hope it will help everyone.

(The above answers were published on 20 15- 12-07. Please refer to the actual situation for the current purchase policy. )

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