Both husband and wife can take out a mortgage loan together. Compared with two people taking out a mortgage together, the pressure will be much easier. However, in this case, the share of the property must be agreed upon in advance, even if the other party’s name does not appear on the loan. The real estate certificate will not affect the ownership of the house, which can avoid disputes in the future. When signing the contract, both husband and wife need to be present at the same time. When choosing the main lender, be sure to choose the one with good credit information so that you can obtain it smoothly. For bank loan approval, both husband and wife should prepare their qualifications in advance, prepare their ID cards, household registers, marriage certificates and income certificates, and make several copies.

What is the process for early repayment of mortgage loan?

1. Customers who repay in advance must submit a written application one week to one month in advance and agree on a repayment time.

2. According to the agreed time, bring your valid ID card and the loan contract signed by the bank to the bank to fill out the loan repayment form and early repayment agreement. After the bank has initially reviewed the relevant materials and found that there are no problems, it will go through the early repayment procedures. If the original loan guarantee method of choosing mortgage and insurance is still within the insurance period, and the mortgage registration has not been completed, the borrower can apply directly to the guarantee agency to apply for partial repayment in advance and reduce the loan period.

3. According to the bank's requirements, transfer the amount that needs to be repaid to the account that needs to withhold the principal and interest of the loan, and the bank will automatically withhold it.

How to calculate the penalty for early repayment of mortgage loan?

Usually the loan contract clearly stipulates the calculation method for early repayment liquidated damages, so if there is a stipulation in the contract, it needs to be calculated according to the previous regulations. If the amount of liquidated damages agreed by the parties is too high or too low compared to the actual losses, then the parties can make corresponding requests to the court or to the arbitration institution. Under normal circumstances, liquidated damages are charged as a percentage of the early repayment amount. For example, some banks will charge it at a rate of 0.5%, so the specific situation depends on the actual situation.