If you buy a house in a first-tier city and you choose a second-hand house with a million yuan or more, then the down payment should be at least 300,000 yuan. For many property buyers, such a down payment is hard to get. So couples buy a house, that is, many couples borrow money to buy a house. At this time, one person is often the main lender and the other is the lender. Generally speaking, many people think it is best to choose a man. however

First, it is reasonable to meet the following four criteria as the main lender.

Which one should couples choose as the main lender when buying a house? Does the bank recognize the man as the main lender of mortgage? Actually, it is not. It is suggested to choose the party with longer loan term; Choose the party with five insurances and one gold; Choose the party with better credit information; Choose the party with higher and more stable income. At the same time, we should also pay attention to the latest development of credit policy.

Second, how does the borrower understand it?

In the eyes of buyers, it is normal to have a main lender, but why set up a lender? What is this lender? In fact, neither the principal lender nor the participant is a real standard title. Under normal circumstances, in the housing loan contract of the bank, the main lender will be called the lender and the borrower will be called the lender.

In addition, both husband and wife should understand the requirement that not everyone can be a lender when they buy a house with a loan. The main condition for participating in the loan is that the borrower must be the mortgagor of the house loan, that is, one of the owners of the house property, and the borrower is the immediate family member of the main lender. Also, for couples, even if only one name is written on the real estate license, the other party is also the borrower.

Third, why set up a lender?

Someone asked, it would be nice if someone repaid the loan when the bank loan was repaid. How can we distinguish between the main lender and the borrower? Why set up a lender? In fact, banks do this for a reason. One is to expand the loan amount, which is one of the reasons why couples buy a house. The other is to meet the bank's requirement that the monthly payment should not exceed half of the lender's monthly income.

In fact, if you have had the experience of buying a house with a loan, I believe you will find this borrower set up by the bank very useful. For example, Yue Ming's income is 15000 yuan, his wife's monthly salary is 8000 yuan, and his monthly salary is 10000 yuan. If Xiao Ming applies for a loan, it does not meet the requirements of the bank; If both husband and wife have the same loan, the total monthly income is 15000+8000 = 23000, which is consistent.