In the purchase of real estate, considering the factors of house price, inflation, capital status and so on, loan to buy a house has become the best choice for the majority of house buyers. So for many couples with provident fund, they will jointly apply for a loan to buy a house. How can they apply for a joint loan? What are the precautions for applying for a joint loan?
According to Xiaobian's understanding, for a couple's joint loan, they need to provide ID card, household register, income certificate, house purchase contract, marriage certificate, down payment receipt and other information. They can go to the bank to apply for it with complete information. Compared with ordinary housing loans, couples can apply for housing loans together, which can appropriately increase the amount of provident fund loans.
What problems should we pay attention to when we apply for joint loans?
First, the signing of the contract requires the presence of both parties. In the process of signing a joint loan contract, both husband and wife are required to be present in person, such as applying for a house loan, handling transaction transfer and so on. To apply for a loan in the name of husband and wife, naturally both parties should be present at the same time in order to successfully complete the loan operation.
Second, we should pay attention to the choice of main loan and sub loan. Since it is a joint loan, more attention should be paid to the choice of the lender. Generally speaking, the main lender is the one with relatively high income and relatively stable between husband and wife, and the common lender, that is, the sub-prime lender, is the other party, which makes it easier to obtain loans.
Third, pay attention to the problem of personal credit. As far as bank loans are concerned, the credit status of borrowers is one of the important criteria. When choosing to apply for housing loans in the form of joint loans, banks should naturally consider the credit situation of both husband and wife. If one of the couple has a credit record problem, it is likely to affect the mortgage application.
Industry experts said that in handling the couple's joint loan, in addition to paying attention to credit investigation, the main sub-prime issues, but also to confirm the share in advance. When husband and wife buy a house together, they should determine the share of property to avoid disputes in the future. The above is the husband and wife joint loan application and matters needing attention related content, for the majority of home buyers as a reference.