If the loan is made in the name of both husband and wife, both husband and wife must be present at the scene. Take housing loan as an example. As the property belongs to both husband and wife, the relevant laws of our country stipulate that the loan should be shared by both parties in the process of handling the loan, so the lending institution needs both parties to provide their own work certificates and bank flow certificates to ensure that the loan can repay the principal and interest in full. Moreover, the properties purchased by both parties belong to * * *, and they all have the obligation to repay the loan. Therefore, the contract that needs to be signed during the loan procedure must be signed by both husband and wife, and both parties have the same rights. No one can replace anyone. However, if one of the husband and wife is unable to be present for some reason, they need to entrust others to handle it and issue a power of attorney.
What will the married housing loan bank check?
1, proof of income, bank flow
The borrower's income and running water are important items audited by the bank, because these two items directly reflect his repayment ability. Generally speaking, the bank's requirement for repayment ability is monthly income ≥ monthly mortgage payment X2. If the borrower is repaying other loans, the monthly income is required to be ≥ (existing loan+monthly mortgage payment) X2. If the bank runs smoothly, it is generally necessary to provide a bank card within 6 months, and it is recommended to use more running transactions.
2. Existing housing conditions
The number of existing houses and repayment of borrowers are directly related to the down payment ratio and interest rate of the next house purchase.
3. Credit report
Credit report is the embodiment of the borrower's personal credit. A good credit report shows that the borrower has good loan and repayment habits, and it is more likely to repay the mortgage on time in the future. Usually, the credit information of both husband and wife is inquired on a family basis. Some banks will check the borrower's family's loan records within five years, credit card records within two years, and some will check the time range more widely.
Due to the different policy requirements of banks, the degree of easing in reviewing credit information will be different. If one of the spouses is overdue, it may affect the whole family to apply for a mortgage, ranging from raising the loan interest rate or down payment to being refused a loan.
4. Debt
It would be a pity if the borrower still has other loans outstanding or credit card arrears. Because then the bank will question the repayment ability of the applicant, and the bank may refuse the loan.
5. Age and occupation
The borrower's age and occupation reflect its repayment ability and stability from the side. The age required for banks to review loans is 18-65 years old, among which 25-40 years old is the most popular group, followed by 18-25 years old and 40-50 years old. People aged 50-65 are more likely to get sick, which will affect the normal repayment.
Professionally, people with stable incomes, such as civil servants, teachers, doctors and employees of top 500 enterprises, are classified as excellent customers by banks and are more likely to be favored.
6. Age of the house
If you buy a second-hand house, the bank will limit the age of the house, usually 20-25 years. Older second-hand houses may reduce the loan amount or directly refuse to lend. In addition, the age of the house will also affect the loan period, so you should understand the requirements of the bank before buying a house.
To sum up, it is Bian Xiao's relevant answer to the question that the loan has a marriage certificate. Do you need two people present? I hope I can help you.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 1046 Marriage shall be voluntary by both men and women, and it is forbidden for either party to force the other, and no organization or individual may interfere.
Article 1047 The age of marriage shall not be earlier than 22 for men and 20 for women.
1048th lineal blood relatives or collateral blood relatives within three generations are prohibited from getting married.
Article 1049 If both men and women want to get married, they should apply for marriage registration in person at the marriage registration office. Those who meet the requirements of this law shall be registered and issued a marriage certificate. The marriage relationship is established when the marriage registration is completed. Those who have not registered for marriage shall re-register.
Article 1050: After a registered marriage, a woman can become a member of the man's family and a man can become a member of the woman's family according to the agreement of both men and women.
Article 105 1 The marriage is invalid in any of the following circumstances:
(1) Bigamy;
(2) Having a family relationship that prohibits marriage;
(three) did not reach the legal age for marriage.