Of course, when applying for a mortgage loan, if one of the parties has a high income, it is not a problem to pass the qualification examination and approval, and the income certificate of the other party is not needed. Attention should be paid to both primary and secondary loans. Because of the change of credit policy, the main lender and sub-lender should be determined according to the actual situation, not simply according to the income level. Case 3 Mr. Chen had a little trouble when he bought a house and applied for a mortgage. He is an executive of a private enterprise with a high income, but his registered permanent residence is not in Nanning. What's more, I worked in a foreign branch for more than three years before and recently transferred to Nanning. If he applies for a mortgage in his own name, he will definitely be treated as a non-local resident. Analysts said that when the husband and wife jointly repay the loan, when determining the main lender and the sub-lender, they must decide according to the actual situation. Under normal circumstances, in a bank housing loan contract, only one party is regarded as a "lender" (usually referred to as the main lender), and the other party can be regarded as a "* * * lender" regardless of whether the names of both parties are written on the property ownership certificate. When determining the main lender, we should choose the spouse with high and stable income, and pay attention to the age limit, otherwise it will affect the loan term. In addition, experts reminded that it is necessary to pay attention to changes in credit policies. Non-local residents who cannot provide local tax payment certificate or social insurance payment certificate for more than 1 year shall be treated differently. For example, the increase of mortgage down payment ratio and interest rate will undoubtedly increase the cost of buying a house. Therefore, this factor should be considered when determining the main lender. The share is determined in advance, and the husband and wife buy a house together. What is the share of real estate? It needs to be determined in advance to avoid future disputes. Case 4 For various reasons, Xiao Wang and Xiao Xiang didn't decide to get married until they got a marriage certificate. According to the previous plan, the woman had to pay more for the house. However, Xiao asked his parents that the share of property should be more. The analysis is based on the provisions of the Marriage Law: "The property acquired by husband and wife during the marriage relationship belongs to both husband and wife, unless otherwise agreed by both parties." Therefore, even if the name of the other party does not appear on the real estate license, it does not affect its ownership of the house. However, at present, there are a few trendy couples whose property is subject to AA system. When buying a house together, you need to consider the issue of property share. According to relevant laws and regulations, the owner can choose the form of * * *, and if * * * and * * * are selected, both parties shall enjoy equal rights and interests; If there are * * * copies, they need to be divided in advance and marked on the property ownership certificate. Prospective couples buy houses and re-register here. What needs special reminder is that many prospective couples buy houses together at present. In order to reduce disputes, experts suggest making some efforts on the registration content of real estate license. The prospective couple mentioned here refers to those who are about to get married, but have not yet obtained a marriage certificate. During the marriage of husband and wife, it is counted from the date of obtaining the marriage certificate, so buying a house together without obtaining the marriage certificate cannot be regarded as the same property. In this case, if * * * jointly buys a house and both parties make equal contributions, they need to register their names on the property ownership certificate at the same time. If the contribution ratio of both parties is different, although the names of both parties will be registered on the real estate license, the proportion of each party must be stated. There is also a situation that needs to be considered in advance, that is, if only one party contributes, whether to register the name of the other party in the real estate license; If registered, what is the share of the non-investor, and it also needs to be determined and stated in the real estate license. Experts said that the most undesirable thing is that the investor writes down the name of the other party on the real estate license to show sincerity, which means that he has completely given up the ownership of the house.