What are the procedures for husband and wife to buy a house by loan?
Husband and wife jointly prepare corresponding loan materials, such as ID card, household registration book, marriage certificate, income certificate, etc. Both husband and wife go to the bank outlet to fill in the loan application form and submit relevant materials;
The bank will arrange staff to conduct a face-to-face review of couples applying for loans, and everyone can answer questions truthfully; After receiving the notice that the mortgage has been approved, the husband and wife jointly sign a loan contract with the bank and go through the formalities of mortgage registration and notarization as appropriate; Wait for the bank to transfer the mortgage funds to the developer's corporate account at one time.
Matters needing attention for one spouse to buy a house alone
1. According to the provisions of the new marriage law, no matter the name of one party or the names of both parties on the real estate license, as long as the property rights of the house acquired by the husband and wife with the same investment (including loans) after marriage are the same property.
2. After marriage, both husband and wife contribute money (including loans) to obtain the property rights of the house, which affects the division of the house after divorce. First of all, it is clear that the real right, whether the name of one party or the names of both parties, is the same property. Secondly, it is clear that the output value, that is, the value of the house, is calculated according to the market price, not according to the original purchase contract amount. Distinguish between the equity part and the liability part again.
3. If you buy a house after marriage and use one party's personal property, you must prove that it belongs to one party's property in the future. Both parties can sign an agreement to prove that it is invested by one party instead of using the joint property of husband and wife, and indicate it when handling notarization and real estate license registration, so it belongs to one party's personal property. If it is funded by parents, parents can write a gift, then indicate that it is a gift to one party rather than both parties, and then notarize it, which also belongs to your personal property.
4. According to the regulations of most banks on personal loans, the age limit of lenders is 18 years old and under 65 years old. Therefore, the younger the main lender, the longer the loan period can be obtained.
5. Since both husband and wife will handle the mortgage on a family basis, as long as there is a problem with one party's credit information, it will affect the mortgage approval. If the party with good credit information is selected as the main lender, but the sub-lender has arrears and overdue fines, the loan amount and interest rate will be affected. Because the main lender has a good credit report, the loan approval rate will still be higher.
I believe that after reading the introduction of this article, you also know what the process of buying a house with a husband and wife loan is. According to the knowledge given above, if you want to buy a house with a loan, you must prepare your ID card, household registration book, marriage certificate and credit information in advance, and then go to the bank to handle it. In addition, we also learned the matters that husband and wife should pay attention to when buying a house alone.