Married banks audit loans by family, which is the same debt, so they must be audited and signed in this bank at the same time.
Second, can both husband and wife's provident fund be loaned at the same time? How to calculate the maximum loan amount at the same time
Both husband and wife can borrow money at the same time when they book the same suite, but not if they borrow money to buy different properties. Better than a loan, whether the husband and wife have the same loan or not.
Both husband and wife buy a suite at the same time with provident fund loans.
Husband provident fund loans to buy the same suite, because both husband and wife's loan behavior is based on the family as a whole, which is definitely higher than the personal loan amount. However, even if the husband and wife get a provident fund loan, they can apply for twice the loan amount.
Both husband and wife can use provident fund loans to buy a suite at the same time.
When the marital relationship between husband and wife is not over, a family is allowed to buy a suite with provident fund loans, and it is not allowed to buy two sets with loans at the same time. Unless you are an unmarried couple or an MPF loan to buy a house.
Maximum amount of provident fund loans for both husband and wife
The loan amount of provident fund is mainly determined by four conditions: repayment ability, balance of housing provident fund account and maximum loan amount. The minimum amount calculated by the four conditions is the maximum amount of provident fund loans for both husband and wife.
1, repayment ability
Known conditions: repayment ability coefficient 40%, total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio and individual contribution ratio).
Personal limit of the borrower: monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan period (month)
The total monthly salary of the borrower: the housing accumulation fund of both husband and wife's work units, the monthly repayment amount of existing loans, and the loan period (months).
2. Housing price of provident fund loan
Loan amount = house price × loan ratio
3. Balance of housing provident fund account
Subject to the provident fund loan policies of various provinces and cities.
four
Subject to the provident fund loan policies of various provinces and cities.
Both husband and wife can borrow money to buy a suite at the same time, and they are not allowed to borrow money to buy different properties at the same time. As for the maximum loan amount, it is determined according to local policies. For example, some areas directly stipulate the maximum amount of husband and wife provident fund loans. Therefore, if you want to know how many provident fund loans couples can use, you can check the local provident fund loan policy. Third, can the mortgage be used by both husband and wife?
Mortgage can be jointly loaned by husband and wife, and all major banks have some regulations. Only two people apply for mortgage, one is the main lender and the other is the same lender, that is to say, a main person in charge is needed. If two people borrow money, the amount will be higher than the personal loan amount, but there are restrictions and repayment requirements, requiring the lender's monthly income to be twice the repayment amount. What problems should husband and wife pay attention to when borrowing together: ① Both parties are present in person. Buying a house involves many processes, such as signing a contract and applying for a mortgage, which requires both husband and wife to be present at the same time. In addition to signing the contract, both parties need to be present to apply for mortgage and handle the transfer. When you apply for a mortgage, you will apply in the name of husband and wife, so when you go through the formalities, you need to review the qualifications of both parties and sign at the same time. (2) both certificates are indispensable. Compared with one person, couples provide more certificates when buying a house, which are indispensable. When making a loan, you must provide the bank with proof of income and social security. If one party passes the examination and approval, the income is high, and it is not a problem to repay the loan, then the income certificate of the other party can be withheld.