According to the relevant regulations, when buying a house with a loan, the name on the house purchase contract and the real estate license must be unified. If a house is bought by loan, the name of the principal lender on the loan contract must be the same as the name of the house buyer. After all, mortgage is based on the purchased property. If the purchaser and the lender are not the same person, it may lead to the inability to apply for mortgage.
China knowledge supplement:
1. What factors will affect the mortgage approval?
1. Personal credit history. Before the loan, the bank will check the personal credit record first. If it is overdue, the loan application will be rejected.
2. Repayment ability. Personal repayment ability determines whether the loan can be approved. If an individual is in debt and his income is unstable, it will affect the approval of the loan.
3. Personal loan default. If a personal loan defaults, and it still cannot be loaned after more than 24 records.
4. down payment. Only when the down payment reaches a certain standard can the housing loan be issued normally, otherwise it will be easily rejected.
5. Too much debt. Loans will be affected if the monthly repayment amount of the lender's credit card exceeds 50% of the monthly income, or if the car loan exceeds 50% of the monthly income.
Second, how to choose the main lender who borrows money to buy a house?
1. Look at the credit information of both parties.
General banks have higher requirements for credit information of main lenders. If one of the husband and wife has a credit problem, it can't be the main lender. Therefore, both husband and wife have good credit information, and choose the one with good credit information as the main lender, which is convenient for obtaining the loan approval from the bank smoothly.
2. Look at the age.
Although most couples are about the same age now, there are also some couples who are very different in age. In this case, it is suggested to choose the younger party as the main lender. According to the regulations of the bank, the lender is over 18 and under 65. If one of the husband and wife has passed the bank limit, it is impossible to apply for a loan. If you choose a younger party to apply for a loan, you have a greater chance of getting a loan and the loan amount is slightly higher.
3. Look at the policy.
In some places, there are also restrictions on the accounts of buyers. For example, banks have restrictions on loans to people with non-local accounts, and the down payment ratio of loans to buyers with non-local accounts will increase, or the restrictions on loan interest rates and years are different. If one of the husband and wife is registered in a foreign country, it will avoid a lot of trouble to choose someone who meets the loan policy of the local bank as the main lender.
4. Look at the work.
Generally speaking, it is better to choose the party with stable job and higher income as the main lender. As far as banks are concerned, some occupations can easily get loans, while others will refuse loans. People with stable income can get a higher loan amount in the loan qualification examination, such as civil servants, institutions and state-owned enterprises. , so that the main lender has stronger repayment ability and is less likely to default.