Buying a house loan requires checking the credit information of both husband and wife. If you buy a house after marriage, even if you only borrow money to buy a house in the name of one husband and wife, even if the lender has a good credit record, if his spouse fails to repay for many times, the bank will doubt the family's repayment ability and credit degree, and will be more cautious when lending.

If one of the husband and wife fails to repay the loan for three consecutive times or six times in two years, the bank will refuse to issue the loan. How do couples apply for mortgage to reduce the loan ratio and increase the loan interest rate?

Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

Loan amount x down payment = monthly repayment amount

There are two loan methods: generally divided into: average capital and equal principal and interest!

Equal principal and interest: it means that the monthly interest repayment amount remains unchanged! Generally called equal repayment!

Average capital: it means paying the principal first and then the interest! Generally called diminishing repayment!

For example: 30X64.23= 1926.6 (equal principal and interest)

30X83.24=2497.2 (average capital)

Housing loan interest = repayment amount-total loan amount

People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed for mortgage loan is:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials. Then accept the bank's review of you and determine the loan amount. Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage. The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

After the above procedures and formalities, you can get a new house through mortgage. Through what the reporter said above, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him.

How do buyers handle mortgage loans?

Building mortgage is quite common in the United States, Japan, Singapore, Hong Kong and other places, and has become a widely popular financing method for buying houses in developed countries and regions. In China, mortgage has only been implemented in Shanghai, Peking, Shenzhen and other cities in recent years. The sales performance of real estate that provides mortgage in the real estate market is obviously better than other real estate. Property buyers handle it.

Do you need credit information from both husband and wife to buy a house?

Buying a house requires the credit information of both husband and wife. If both parties are married and get a marriage certificate, a loan to buy a house requires the credit information of both husband and wife. Generally speaking, when they apply for a mortgage after marriage, the bank will take the credit of both husband and wife as a reference. Therefore, married people who want to buy a house must have a good reputation if both parties want to repay the loan. If one party has a bad reputation, the bank will refuse the loan on this ground.

Matters needing attention for married couples to buy a house together.

1. Both parties need to sign the contract in person.

Husband and wife buy a house together after marriage, so in real estate transactions, the signing of the sales contract, mortgage application and transfer procedures all require both husband and wife to go to the scene together, not alone. Because buying a house together by husband and wife will involve how to divide the real estate and how to qualify the loan for two people, so when handling the relevant procedures, both parties must handle it together.

2. The choice of primary lender and secondary lender should be reasonable.

If a husband and wife borrow money to buy a house, they must determine the main lender and the sub-lender. Because China's credit policy will change, so when determining the main lender and sub-lender, we should combine the actual situation, not simply based on income level. Usually, when determining the main lender, one of the husband and wife with higher and more stable income should be selected as the main lender, and attention should be paid to the age limit, otherwise the loan term will be affected.

3. Set the share of real estate in advance.

Husband and wife buy together, then it will involve a question of how much their share is. In order to avoid the future, couples should determine the share of real estate distribution in advance before buying a house, so that when there are problems in marriage in the future, they can divide it according to the set share of real estate.

What are the benefits of buying a house with a husband-and-wife loan?

1. Expand the loan amount and reduce the economic pressure.

Banks are very demanding of borrowers. When examining and approving housing loans, many banks require that the monthly repayment amount should not exceed half of the lender's monthly income, and they cannot lend unless they meet the requirements. But it is much easier for two people to borrow money together.

2. Interest on provident fund loans.

The amount of provident fund loans is limited, and many borrowers cannot use all the provident fund loans. Couples who jointly apply for housing provident fund loans can expand the amount of provident fund loans. At present, the interest rate for provident fund loans over five years is 3.25%, and the benchmark interest rate for commercial loans over five years is 4.9%. Therefore, compared with commercial loans, the interest paid by provident fund housing loans will naturally decrease.

Do you need credit information from both parties to buy a house after marriage?

After marriage, mortgage to buy a house needs to examine the credit information of both husband and wife.

When the bank approves the mortgage, if the husband and wife buy a house, the bank should not only check a person's credit record, but also check the spouse. Because when it comes to repayment, two people repay at the same time. So if one party has a credit problem, it will have an impact on the mortgage.

Marital property refers to all kinds of property acquired by one of the spouses during the existence of the marital relationship. Property after marriage is not exactly the same as property jointly owned by husband and wife. According to the judicial interpretation of the new marriage law, the house purchased by one parent for their children belongs to the children's personal property, not the property of husband and wife.

Extended data:

According to the scope of credit information, it can be divided into regional credit information, domestic credit information and transnational credit information.

Regional credit information is generally small in scale and only provides credit information services in specific areas. This model generally exists in countries where the credit information industry has just started. After the development of the credit information industry to a certain stage, most of them tend to merge or specialize, and the real regional credit information gradually disappears.

At present, domestic credit investigation is one of the most formal institutions in the world, especially in countries that have set up credit investigation institutions in recent years. Cross-border credit reporting has risen rapidly in recent years. There are two main reasons why this kind of credit reporting can develop rapidly:

The internal reason is that some old credit reporting agencies in western countries have infiltrated other countries in various forms (such as setting up subsidiaries, cooperation, equity participation, providing technical support, setting up offices, etc.). ) in order to expand their business; The external reasons are mainly the acceleration of world economic integration and the mutual penetration and integration of national economies.