If there is a couple thinking about empty gloves and white wolves, one person borrows a down payment and one person borrows a mortgage, it can only be said that the idea is beautiful but basically difficult to achieve! Because when a husband and wife borrow money to buy a house, they get the loan on the basis of the husband and wife, so we should check the credit information and liabilities of the husband and wife. If one person borrows a down payment and the other person borrows a mortgage, the bank can easily find that the situation is wrong.

One-person loan down payment and one-person loan mortgage are difficult to achieve.

The first reason: the down payment, whether it is 20% to 30% of the first suite or 50% to 60% of the second suite, is not a small loan. If it is a large loan like this, both husband and wife need to bear the repayment obligation, which means that the loan record will be recorded on the credit information of both husband and wife at the same time.

Reason 2: If one party really succeeds in getting a down payment loan and the other party applies for a mortgage, the debt situation of the spouse will also be investigated, because the family is the unit that buys a house after marriage. If the bank finds that it has applied for a large loan before applying for a mortgage, it will be difficult to pass the mortgage application.

Reason 3: If you want to get a large loan, usually the credit loan amount is not that large, and you may use mortgage, guarantee and other loan methods. In other words, if you get the financial proof that the mortgage has been used for down payment, then the pass rate of the mortgage will undoubtedly be much lower.

It is basically not advisable for husband and wife to make a down payment and mortgage loan, because the family needs to bear extremely heavy debts. Even if you get a loan successfully, buying a monthly payment is a very big expense, which is not long-term at all. Therefore, I suggest that you buy a house without taking this kind of loan.