2. The main audit objects are different. Tier 1 lenders will be relatively strict in bank audit, and the requirements for tier 2 lenders will be slightly lower.
3. The repayment sequence is different. The first is to see whether the major lenders can repay on time. If the main lender fails to repay the loan on time, it will require the secondary lender to repay the loan.
4. The ownership of loan records is different. When applying for a housing loan, only one loan record will be generated, and the loan record will only be displayed on the credit report of the main lender, but there will be no loan record on the credit report of the sub-lender.
5. The calculation method of loan life is different. The period of applying for mortgage loan is calculated according to the age of the main lender, not according to the age of the sub-lender.
Is the owner of the house a lender?
1. The lender of the Buyer is the head of the household, and the person in charge of household registration is the head of the household; 2. Other adults in the family who meet the loan conditions apply for housing loans and buy homeowners, but the homeowners are not the heads of households. Article 209 of the Civil Code: The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.