1. Loan records are different in credit information display: applying for a mortgage will generate a loan record, which is only displayed in the personal credit information record of the main lender, but not in the personal credit information record of the sub-lender.

2. Different loan life: When applying for a loan, the loan life is calculated according to the age of the main lender, not the age of the sub-lender.

3. Different qualification requirements: Under normal circumstances, when reviewing the credit status of lenders, banks will give priority to the one with good credit as the main lender and the other as the sub-lender.

4. Repayment sequence is different: when using the provident fund to repay the loan, if the balance in the main lender's provident fund account is used up, the balance of the secondary lender's provident fund will be deducted.

What does the main lender mean?

The main lender refers to the borrower, that is, the main person in charge of the loan. Generally speaking, the housing loan is directly deducted from the lender's savings card. * * * The same lender is also called the borrower, and the borrower is usually the immediate family member of the main lender, such as spouse, children, parents, etc. At the same time, it must also be one of the property owners of housing loan mortgage. However, for a couple, even if there is only one party's name on the deed, the other party can be the "* * * lender" of the house loan.