Is it okay for a couple to apply for a mortgage loan?
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Nowadays, many families will choose to take out a loan to buy a house, but before taking a loan to buy a house, Adequate preparation is required. Banks require a lot of loan materials and procedures. For example, if a couple buys a house together, is it okay for the couple to sign up for the mortgage loan alone? What issues need to be paid attention to? Let’s take a look at the relevant knowledge together.
1. Is it okay for a husband and wife to be interviewed for a mortgage loan by one person?
If a husband and wife are applying for the same loan, it is not possible for a husband and wife to be interviewed by one person. They must be present in person to confirm. Because debts incurred during the relationship between husband and wife are legally the responsibility of both spouses. If one of the parties is really unable to be present, they can go to the notary office to apply for entrusted notarization and have someone come forward to do it for them.
2. What issues should be paid attention to when buying a house with a loan
1. Refer to several banks
There are many loan banks, and you can choose the suitable loan bank by yourself. If the lending bank has more services, the borrower can relatively obtain more financial services. From the borrower's perspective, of course, the more options, the better.
3. Choose the appropriate repayment method
The repayment methods include equal amounts of principal and equal amounts of principal and interest. These two methods have their own characteristics. For example, equal monthly repayments are the same, allowing family expenses to be arranged in a planned manner; equal principal is suitable for people with higher incomes, but the early repayment pressure is greater.
4. Provide complete and true loan information
When preparing loan materials, you must provide your true occupation, income certificate, etc. If the bank discovers that the borrower has falsified his or her income level, not only may a default occur during future repayments, but it may also seriously affect its credit record.
5. Act according to your ability and ensure on-time repayment
When applying for a loan, the lender must make an assessment based on his or her repayment ability, otherwise it may affect his or her future life. level is affected. Also pay attention to whether there are enough funds in the repayment account. If you default due to your own negligence, you will not only be fined by the bank, but also leave a bad credit record with the bank.
Conclusion of the article: The relevant knowledge about housing loans will be introduced to you here. I hope it will be helpful to everyone. House purchase loans are relatively complicated, so you still need to learn more about them in case you need them.
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Enter the area and get a free decoration quote. To buy a house loan, both husband and wife must be present to sign at the same time. If one party cannot be present, leave it to the other party. If you sign, do you need to have it notarized?
Notarization is required. If one party cannot be present to sign, the person who cannot be present will generally issue a power of attorney entrusting the other party to handle the loan procedures. Any notary office can handle the notarization of the power of attorney, and it is best to be present. The reasons are as follows: If the purchaser of the house purchase contract is a husband and wife, both parties must sign at the same time. This is called *** and *** owning the property together.
Legal Analysis
If the buyer of the house purchase contract is one of the husband and wife, then the signature of the buyer is enough, and the signature of the spouse is not required. If you buy a house with a loan, no matter whether the buyer is one or both spouses, they must sign the loan contract. 1. If the buyer of the house purchase contract is a husband and wife, then both parties must sign at the same time. In the future, two real estate certificates will be issued. This is called *** and *** owning the property. 2. If the buyer of the house purchase contract is one of the couple, then the signature of the buyer is enough, and the signature of the spouse is not required. 3. If you buy a house with a loan, no matter whether the buyer is one spouse or both spouses, they must sign the loan contract. ***There are four aspects that you need to pay special attention to when buying a house. For example, signing a contract, applying for a mortgage loan, and transferring ownership of a transaction require the presence of both spouses. In addition, when a couple buys a house together, they also need to study in advance the preparation of documents and other matters such as applying for a mortgage. There are particularities in primary and secondary loans. Due to changes in credit policies, the determination of primary and secondary borrowers must be based on the actual situation and cannot simply be based on the level of income. When a husband and wife repay the loan together, the primary lender and the secondary lender must be determined based on the actual situation. Normally, in a bank home loan contract, only one party is named as the lender. It is often said that the main lender is the main lender. Regardless of whether the names of both parties are written on the property certificate, the other party can serve as the "secondary lender".
When determining the main lender, you should choose the one with a higher and more stable income between the couple. At the same time, pay attention to the age limit, otherwise it will affect the loan term.
Legal basis
"People's Republic of China and Civil Code"
Article 667 A loan contract is a loan from the borrower to the lender. A contract to repay borrowed money at maturity with interest.
Article 669: When entering into a loan contract, the borrower shall provide the true situation of business activities and financial status related to the loan as required by the lender. What should I do if I can’t go to the mortgage bank for the interview? Is it okay for one spouse to be present for the interview?
;? Go to the bank to apply for a personal housing loan. Not only do you need to prepare a lot of information, but also waiting for the approval result is a relatively long process. As a large-amount loan, banks are also very cautious when approving and processing information, and they need to go to the site to handle it. What should I do if I can’t go to the mortgage bank for the interview? Is it okay for one spouse to be present for the interview?
What should I do if I can’t go to the mortgage bank for the interview? In principle, after the mortgage loan is approved and the bank notifies the borrower to attend the interview, he must appear in person. If you are unable to go to the scene due to special circumstances, you can go to the notary office to fill out a power of attorney and find someone as a third party to become your authorizer and go to the interview on your behalf. In addition to entrusting a third party to act as their client, the borrower can also entrust a loan salesperson to provide door-to-door services if the bank allows it. Some borrowers are VIP customers of the bank, and the bank is willing to provide door-to-door services to such high-quality customers, with salespersons coming to conduct interviews and sign contracts.
Is it okay for one spouse to be present for the interview? If a couple takes out a loan together, it is not possible for one person to interview. Because debts incurred during the relationship between husband and wife are legally the responsibility of both spouses. If one of the parties is really unable to be present, they can go to the notary office to apply for entrusted notarization and have someone come forward to do it for them. In addition, after the visa interview, some banks will also require the couple to take a group photo together. The purpose of taking a group photo is to prevent the emergence of fake loans, and also to prevent any accidents after the loan is issued, resulting in the risk of loss of funds. Taking a group photo can greatly reduce the possibility of such an incident happening. The above is the sharing of relevant content about "I can't go to the mortgage bank interview". I hope it can help everyone!