2. Different audit criteria: separate loans after marriage will only apply for the applicant's personal credit report, and the same loan needs to be audited by both parties.
3. The number of borrowers is different: only one person applies for a single loan after marriage, and both husband and wife apply for the same loan.
4. The ownership of debt is different: if it is a single loan after marriage, its debt is personal, and the spouse does not have to bear the repayment responsibility. As for the * * * loan, it belongs to both husband and wife, and both parties need to bear the repayment responsibility.
5. Different repayment methods: separate loans after marriage, and the lending institution deducts money from the lender's bank card for repayment. * * * The same loan association will deduct money from the bank cards of both husband and wife for repayment.
Matters needing attention for one spouse to buy a house alone
1. According to the regulations, no matter the name of one party or the names of both parties on the real estate license, as long as the property right of the house is acquired by both husband and wife with the same contribution (including loans) after marriage, it is the same property.
2. After marriage, both husband and wife contribute money (including loans) to obtain the property rights of the house, which affects the division of the house after divorce. First of all, it is clear that the real right, whether the name of one party or the names of both parties, is the same property. Secondly, it is clear that the output value, that is, the value of the house, is calculated according to the market price, not according to the original purchase contract amount. Distinguish between the equity part and the liability part again.
3. If you buy a house after marriage and use one party's personal property, you must prove that it belongs to one party's property in the future. Both parties can sign an agreement to prove that it is invested by one party instead of using the joint property of husband and wife, and indicate it when handling notarization and real estate license registration, so it belongs to one party's personal property. If it is funded by parents, parents can write a gift, then indicate that it is a gift to one party rather than both parties, and then notarize it, which also belongs to your personal property.
4. According to the regulations of most banks on personal loans, the age limit of lenders is 18 years old and under 65 years old. Therefore, the younger the main lender, the longer the loan period can be obtained.
5. Since both husband and wife will handle the mortgage on a family basis, as long as there is a problem with one party's credit information, it will affect the mortgage approval. If the party with good credit information is selected as the main lender, but the sub-lender has arrears and overdue fines, the loan amount and interest rate will be affected. Because the main lender has a good credit report, the loan approval rate will still be higher.