Couples can choose a different loan amount than a one-person loan. Banks attach great importance to the income of borrowers when approving loans. If the borrower borrows a loan alone, the income is generally not as much as that of the husband and wife combined, so the loan amount that can be applied for is naturally not as high as that of the husband and wife.
If the borrower wants to apply for a provident fund loan, the difference is even more obvious. Generally speaking, the maximum loanable amount of personal provident fund loans is 600,000, and the loanable amount of husband and wife is 654.38+0.2 million.
2. Repayment pressure
If the borrower applies for a personal loan, the banking system will only deduct the borrower's debit card balance when repaying. I applied for a couple loan. If the debit card balance of the primary lender is insufficient, it can also be deducted from the debit card of the secondary lender. In terms of repayment pressure, the pressure of husband and wife loans is relatively small.
3. Future plans
If the borrower wants to apply for a house purchase loan and has a house purchase plan in the future, then a personal loan is better. Many regions require a purchase restriction policy. If conditions permit, it is suggested that the borrower take out a loan in his own name first, and then apply for a mortgage again in the name of husband and wife. In this case, the pressure of down payment can be minimized.
(1) interest rate
The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal.
Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.
The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries.
(2) benchmark interest rate
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.
How to get the lowest bank loan interest rate
First, choose the bank with the lowest interest rate to apply for a loan.
Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate.
Second, pay attention to personal credit reporting and maintain good credit reporting.
Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.