Mortgage conditions: According to the Measures for the Administration of Personal Housing Loans, the lender should have a stable occupation and income, good credit and the ability to repay the loan principal and interest on schedule. It also requires the lender to issue a legal and bank-recognized certificate of stable economic income in the past two years. Those freelancers, self-employed, those who have no specific work units and no work units can't issue income certificates. But as long as you give the bank a receipt for paying personal income tax in the past two years, the bank will determine your income and repayment ability according to the amount of personal income tax you pay. If other conditions meet the requirements, the bank will give you a loan. Generally speaking, bank loans require borrowers (singles or couples) to have a total income of twice the monthly repayment amount in order to ensure a safe repayment ability. The specific requirements also depend on the specific regulations and methods of banks.

Second, what are the conditions for both husband and wife to buy a house by loan?

Buying a house with a husband and wife can expand the loan amount and reduce the repayment pressure.

However, when applying for a couple loan to buy a house, you need to pay attention to:

Note 1: Prepare the materials for the husband and wife to use the loan to buy a house.

Preparing for the exam is the key. Both husband and wife need to prepare the following information for buying a house with a loan.

ID card (2 generations need two sides), household registration book (home page, index page and personal page), income certificate (provided by the bank, only need to stamp the company seal on it), house purchase contract, marriage certificate (only one) and down payment receipt.

Among them, ID card, household registration book, marriage certificate and down payment receipt need to be copied in triplicate.

Note 2: Both parties must be present at the same time when signing, signing and transferring.

In the process of buying a house, many signing processes are involved, such as signing a sales contract, handling a mortgage, and transferring transactions, all of which require both husband and wife to be present at the same time.

Under normal circumstances, when * * * buys a house, the names of two people should be stated on the real estate license, and both parties should be present in person; If one party cannot handle it on the spot, it must go through the notarization authorization procedures. When applying for a mortgage, they apply in the name of husband and wife, and the bank needs to review their qualifications at the same time, so they must also sign at the same time when handling relevant procedures.

When handling the transfer formalities, in principle, both parties are required to be present at the same time, because according to the Property Law, whether the property purchased by both husband and wife is owned by * * * or * * needs to be reflected in the sales contract and then stated in the property ownership certificate, so both parties need to be present to confirm. However, if you can't be present, you must also go through notarization and entrustment procedures and explain related matters.

Note 3: Who is the "main lender" is no joke.

In the bank's housing loan contract, only one of the husband and wife is generally designated as the "lender", and the other party can be regarded as the "* * * lender". For "* * * and the Lender", it is not only required to be the immediate family members of the Lender (husband and wife, children and parents), but also to be one of the owners of the mortgaged property with the housing loan. However, this article is an exception for husband and wife. Even if there is only one husband and wife's name on the real estate license, the other party can also be the "* * * lender" of the housing loan.

So who is the "main lender" more appropriate? What role does the "main lender" play?

The "main lender" is mainly related to some insurance issues. When signing a housing loan contract, the bank requires the lender to purchase comprehensive insurance for housing mortgage loans. This comprehensive insurance covers two aspects. One is property damage insurance. When the mortgaged property suffers property losses within the prescribed scope such as fire, storm and collapse, the insurance company shall bear the property losses; There is also a loan repayment guarantee liability insurance. If the lender accidentally dies or is disabled, the insurance company will also bear the remaining repayment responsibilities.

Therefore, when choosing the main lender, we must choose the pillar of the family as the main lender, so that the insurance company can bear the remaining loans when there is an accident in the house.

Note 4: After divorce, "non-principal lenders" also have debts.

If there is no name on the loan contract, don't you have to bear the obligation to pay debts? The answer is obviously no.

What are the benefits of buying a house with a loan? It doesn't work.

Just as the property acquired by married couples belongs to the same property, their debts after marriage are also the same debt. No matter whether one party is the "main lender" or not, whether they jointly applied for a housing loan, they all have the obligation to repay the housing loan. Only when the property is determined to be owned by the divorced party, can the request of changing the mortgage lender be made and the repayment obligation be lifted.

3. What are the conditions for a husband and wife to buy a house with a loan?

Legal analysis: mortgage is based on family. There are other loans under the husband's name, which does not affect you to buy a house with a provident fund loan. There are two situations: if you buy a house with a pure provident fund loan, as long as you meet the basic conditions of provident fund loans, the income is basically greater than the expenditure, and there is basically no problem. If you want to buy a house by combining provident fund with commercial loans, your husband's other loans in this part of commercial loans will be included in your liabilities. When a bank examines a loan, it depends on whether your overall income is enough to repay the debts that need to be repaid in your name every month. Generally, it is 1.5 times the monthly repayment amount of the debt loan in your name (in special circumstances, such as you have bought wealth management and insurance in a bank for a long time, the conditions for going to this bank will be relaxed). If you want to make sure that there is no problem with the loan, you can solve some small problems in time and spend a little money. If the credit is too overdue, you will apply for online loans frequently within five years, even if you can make a payment. Legal basis: Article 1060th of the Civil Code of People's Republic of China (PRC). Civil juristic acts carried out by one spouse for the needs of family daily life are valid for both spouses, unless otherwise agreed by one spouse and the other. The restriction between husband and wife on the scope of civil legal acts that one party can implement shall not be against the bona fide counterpart.