Many people didn't buy a house before marriage for various reasons. After marriage, couples tried to buy a house with a loan. What should we pay attention to when buying a house with a loan after marriage? How can we avoid disputes over house purchase loans after marriage? Then you need to read this article carefully!
1、 Pay attention to credit investigation and avoid overdue
Married people apply for loans, and the bank checks the credit investigation records on a family basis. If you are married, the bank will review you and your spouse during the review, and your spouse's bad credit record may affect your mortgage application. Even if the loan is used to buy a house in the name of one of the husband and wife, the lender has a good credit investigation record. If his spouse is overdue for repayment for many times, the bank will be more cautious in lending.
However, the bank pays more attention to the lender's credit record when reviewing the loan. If the lender's spouse has a poor credit investigation record, the bank will be more cautious when reviewing the loan, but it does not mean that it will not lend. If the overdue behavior is unintentional, you can explain the situation to the bank and issue relevant "unintentional overdue" certificates, which usually will not refuse to lend.
From the perspective of overdue times, the possible standards for banks to handle loans are: reduce the loan percentage and increase the loan interest rate. If it is the first housing loan, it is likely that it will not enjoy the preferential loan interest rate. However, if one of the husband and wife has overdue repayment for three consecutive times within two years, or has overdue repayment for six times in total, the loan will be rejected.
2、 Prepare materials
The husband and wife shall prepare the materials required for the loan to buy a house: ID card (two generations need both sides); Household register (front page, index page and individual page); Proof of income; House purchase contract, marriage certificate, down payment receipt.
When applying for a house loan, if it is applied together in the name of husband and wife, the bank also needs both parties to sign when going through relevant procedures.
3、 Determine the main lender and sub Lender
When determining the main lender and sub lender, it should be determined according to the actual situation, rather than simply depending on the level of income. When husband and wife repay together, they must determine the primary lender and the secondary lender according to the actual situation. Generally, in the bank housing loan contract, only one party is regarded as the 'lender' (often referred to as the main lender), and whether the names of both parties are written on the real estate certificate or not, the other party can be regarded as the 'joint lender'.
When determining the main lender, we should choose the one with higher and more stable income between husband and wife, and pay attention to the age limit, otherwise the loan term will be affected. In addition, experts warned that attention should also be paid to changes in credit policies.
4、 The share shall be determined in advance
When couples buy a house together, the share of property should be determined in advance to avoid disputes in the future. In the process of joint house purchase, even if the name of the other party does not appear on the house property certificate, it does not affect its ownership of the house.
However, at present, there are a few trendy couples who implement the AA system. When buying a house together, they need to consider the problem of property share. According to relevant laws and regulations, the owner can choose the form of joint ownership. If joint ownership is selected, both parties enjoy the same rights and interests; If it is shared by shares, it needs to be divided in advance and stated on the real estate certificate.
The couple's joint loan to buy a house can increase the loan amount, and the loan interest rate is low. Therefore, it is highly praised by many couples. However, when determining the joint loan to buy a house, we should also pay attention to the above issues, and pay attention to the clever use of the 'main lender' when buying a house, so as to reduce man-made disaster losses.