Couples need a marriage certificate to apply for a loan to buy a house. Otherwise, if the loan application fails, in addition to preparing the marriage certificate, these materials need to be prepared: the ID card of the applicant and spouse, the original and photocopy of the household registration book, the purchase agreement or contract, the original and photocopy of the down payment delivery certificate, the family income certificate and asset certificate, the copy of the developer's collection account number, and the property right certificate of the collateral or pledge recognized by the bank.

What should couples pay attention to when buying a house with a loan?

1. When signing the contract, both parties must be present in person.

When applying for a mortgage in the name of husband and wife, the bank needs to examine the qualifications of both parties at the same time, and must also sign relevant procedures at the same time.

2, the main loan, sub-loan is particular.

Just because a husband and wife borrow money to buy a house does not mean that both husband and wife are loan subjects. During the interview, the bank loan officer will ask which one of the husband and wife is designated as the "lender" and which one is designated as the "* * * lender" to participate in repayment. When determining the main lender and the sub-lender, it must be determined according to the actual situation, which can be analyzed from the aspects of income, credit information and age.

A. Income

The main lender should choose the party with higher income and stability. The bank will evaluate the repayment ability of the applicant through the income certificate or the bank's running water, so it is easier for the bank to approve the loan when the high-income and stable party is the main lender.

B. Credit information

Before the loan, the bank will check the personal credit information of both husband and wife. Generally speaking, the party with good credit information should be the main lender, because when both husband and wife buy a house with the same loan, as long as one party has problems with credit information, it will affect the mortgage approval. Generally speaking, if the credit record of the main lender is problematic, the bank will generally not accept the loan application. If the main lender has a good credit, the lender has some credit problems, but they have all been solved later, which generally will not affect the bank's approval of loans.

C. Age

In the case of similar income and credit information, the main lender should choose a younger party. The younger the main lender, the longer the loan term.

The share is fixed in advance.

When a husband and wife buy a house with a loan, the share of the property needs to be determined in advance to avoid disputes in the future. In the process of buying a house with the same loan, even if the name of the other party does not appear on the real estate license, it will not affect its ownership of the house. However, at present, a small number of husband and wife property implements AA system. When buying a house with a loan, we should consider the issue of property share. According to relevant laws and regulations, the owner can choose the form of * * *, and if * * * and * * * are selected, both parties shall enjoy equal rights and interests; If there are * * * copies, they need to be divided in advance and marked on the property ownership certificate.