Couples can set up a "co-borrower" when buying a house with a joint loan. The main reason is to expand the loan amount. At present, many banks require that the monthly repayment amount should not exceed 1% of the lender's monthly income when approving housing loans.

Half. If the Liu family applies for a housing loan, it needs to repay 3,500 yuan per month, while Liu's monthly income is about 6,000 yuan, which cannot meet the requirements of the bank. If Mrs. Liu comes with a loan, she will encounter this problem.

Solved it. Although Ms. Liu, who works in an educational institution, has a low monthly income of about 2,500 yuan, the sum of the monthly income of the two lenders has reached 8,500 yuan, which is more than twice the monthly repayment amount of 7,000 yuan. Therefore,

It meets the basic requirements of bank loans. If other conditions are met, they can successfully apply for bank loans.

Another factor worthy of attention is of course the housing provident fund. Couples applying for housing loans together can increase the amount of provident fund loans. Compared with commercial housing loans, the interest rate of provident fund loans is low 1.07 percentage points. When husband and wife jointly apply for housing loans, the proportion of provident fund loans that can be used will increase, and the interest paid for housing loans will naturally decrease.

Second, the materials needed for the husband and wife to jointly borrow money to buy a house:

Certificate preparation is the key: both husband and wife need to prepare the following materials for joint loan to buy a house.

1, ID card (double-sided for 2nd generation)

2. Household registration book: home page, index page and personal page.

3. proof of income: provided by the bank, only need to stamp the unit seal on it.

4. Purchase contract

5, marriage certificate: just take one.

6. down payment receipt

1, 2, 5, 6, all copies are usually in triplicate.

Third, matters needing attention in the process of handling the joint loan of husband and wife to buy a house

1. The signing parties are present in person: In the process of buying a house, many signing processes will be involved, such as signing a sales contract, applying for a mortgage loan, and transferring the transaction, which requires both husband and wife to be present at the same time. Under normal circumstances, when buying a house together, the names of two people should be written on the real estate license, and both parties should be present in person; If one party cannot go through the formalities on the spot, it must go through the notarization authorization procedures.

2. In addition to signing the real estate sales contract, both parties need to be present in person when applying for mortgage and handling the transfer formalities. Experts explained that when applying for a mortgage, sometimes they will apply together in the name of husband and wife, so the bank needs to examine the qualifications of both parties and sign at the same time when handling relevant procedures.

3. 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 jointly purchased by husband and wife is jointly owned or shared by shares needs to be reflected in the sales contract.

Then write it on the real estate license. Therefore, both parties need to be present to sign and confirm. However, if you can't be present, you must also go through notarization and entrustment procedures and explain related matters.

4. Both husband and wife buy a house together by mortgage. Does it matter who is the main lender?

"Principal loan" and "participating loan" are both nonstandard terms. In the housing loan contract of a bank, only one of the husband and wife is generally designated as the "lender" and the other party can be regarded as the "co-lender". For "ordinary loans"

People are not only the "lenders" of immediate family members (husband and wife, children, parents), but also one of the owners of the real estate mortgaged by the housing loan. However, this article is an exception for couples, even property.

There is only the name of one spouse on the certificate, and the other spouse can also be the "co-lender" of the housing loan.

When the husband and wife jointly repay the loan, when determining the main lender and the secondary lender, they must be determined according to the actual situation.

Usually, in a bank housing loan contract, only one party is regarded as a "lender" (usually called the main lender), and the other party can be regarded as a "co-lender" regardless of whether the names of both parties are written on the property ownership certificate. When determining the main lender, we should choose the spouse with high and stable income, and pay attention to the age limit, otherwise it will affect the loan term.

In addition, experts reminded that it is necessary to pay attention to changes in credit policies. For non-local residents, if they can't provide local tax payment certificate or social insurance payment certificate exceeds 1 year, they will be treated differently. For example, the increase of mortgage down payment ratio and interest rate will undoubtedly increase the cost of buying a house. Therefore, this factor should be considered when determining the main lenders.

When husband and wife buy a house together, what is the share of the property? This needs to be determined in advance to avoid future disputes.

(The above answers were published on 20 17-0 1-25. The current purchase policy should be based on the actual situation. )

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