Couples can help improve the loan pass rate and reduce the repayment pressure. For example, Yue Ming's salary is 1000 yuan, and the monthly payment for buying a house is 8,000 yuan. According to the regulations, the monthly income on the income certificate provided by Xiao Ming must reach 1.6 million yuan before he can pass the bank loan approval. If the conditions are not met, Xiao Ming and his wife Xiao Yang can get the same loan, with a total monthly income of 1.8 million. Xiao Ming has a high income and a stable job. He is a primary lender and Xiao Yang is a secondary lender.
Two, appropriately reduce the loan amount or extend the loan time.
In order to control the monthly payment within 1/2 of the monthly income, we can appropriately reduce the loan amount, increase the down payment ratio and extend the loan term as much as possible. However, with the extension of the loan term, the total interest will also increase, as shown in the following figure.
Third, provide proof of part-time income.
At present, many banks recognize part-time income when approving loans, except for occupations prohibited by law, such as military personnel, civil servants and employees of state-owned enterprises.
Different banks have different regulations on the amount of part-time income and running bills. Some stipulate that the part-time income shall not exceed 50% of the main income, and some require the borrower to provide part-time income for half a year ... Please consult the bank in advance.
Fourth, find relatives to guarantee loans.
Some banks accept loans guaranteed by relatives, but the relationship between the guarantor and the borrower is strict. For example, they only accept the guarantee of immediate family members (parents or children), and third parties such as ex-wives and ex-husbands cannot participate in the repayment and bear the repayment responsibility.
According to the regulations, the guarantor must have a fixed source of income, have sufficient compensation ability and have a certain amount of deposit in the loan bank. When the borrower fails to repay the loan according to the contract, the guarantor must bear the guarantee responsibility.