Of course.
1. It is recommended not to change the main lender halfway, because the main lender is stipulated in the contract. Therefore, when users apply for loans, they must first plan the main lenders and sub-lenders. Of course, if it is a couple or an interest relationship, some banks support replacing the main lender, but replacing the main lender requires a certain handling fee.
2. Usually, when a bank applies for a loan, the party with good credit status will be the main lender and the other party will be the sub-lender. In addition, when using the provident fund to repay the mortgage, the balance of the provident fund account of the secondary lender can only be used after deducting the balance of the provident fund account of the primary lender. Among them, the time limit for applying for mortgage is calculated according to the age of the main lender, not according to the age of the secondary lender.
Third, the main sub-loan is mainly aimed at some customers who are considering credit reporting. Sub-loan will affect the main loan, and vice versa, but the main sub-loan can be freely converted. As long as the conditions are met, the main loan can be converted into a sub-loan or all the debts can be owned by either party.
Generally speaking, in the bank housing loan contract, only one party is regarded as the "lender" (usually called the main lender), and the other party is regarded as the "* * * and the lender" (usually called the sub-lender). "* * * and the Lender" requires not only the immediate family members of the Lender (husband and wife, children, parents), but also one of the property owners of the housing loan mortgage. However, this one is an exception for couples. Even if there is only one spouse's name on the real estate license, the other spouse can also be the "lender" of the housing loan.
The main lender is not necessarily the owner. At present, there are two main types of mortgage lenders in China:
1. The buyer is the main lender. In this case, the purchaser himself meets all the conditions of the loan, and can buy a house and borrow money in his own name. The name on the property certificate is the name of the purchaser himself and the name of the lender.
2. The buyer is not the main lender. In this case, the buyer himself does not meet all the conditions of the loan, including that the buyer is a minor, or that although the buyer is an adult, the economic income and other indicators do not meet the requirements of the bank loan. At this time, there may be an auxiliary repayment person, the buyer's parents or others.
2. Can the mortgage lender be changed?
Yes, the situation that the mortgage lender can change: 1. The borrower needs to apply to the bank for change. After the bank agrees, sign a new contract. Then the bank and the borrower go to the Housing Authority (or entrust the bank to see if the local housing authority can accept the entrustment) to go through the formalities for changing the main contract and bring all the basic documents. After the change, the debt has not changed much. 2. If it is necessary to change the borrower due to legal reasons such as the borrower's divorce or death, the borrower may be changed. The new borrower applies to the loan bank. To the provident fund management center to verify the qualifications of the new lender, and then to the loan bank to verify, if only to change the repayment person, you can do an agreement notarization. The program flow is as follows: 1. Before the loan, the borrower fills in the Application for Housing Mortgage and submits the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank. 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. 3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. 4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it. 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. 6. The loan applicant repays the loan on a monthly basis. There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method. Average capital divides the total loan into equal parts during the repayment period, and repays the same amount of principal and the interest generated by the remaining loans in that month every month. Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate Features: As the monthly repayment amount is fixed, the interest is getting less and less, and the lender is under great repayment pressure at first, but with the passage of time, the monthly repayment amount is getting less and less. During the repayment period of equal principal and interest, the same amount of loans (including principal and interest) will be repaid every month. Monthly repayment amount = [loan principal × monthly interest rate ×( 1 interest rate) × repayment months]; [( 1 interest rate) × repayment months-1] Features: Compared with the average principal repayment method, the disadvantage is that more interest is paid, and the interest in the initial repayment period accounts for most of the monthly contributions, and the principal in the contributions is gradually repaid with the principal. However, the monthly repayment amount of this method is fixed, which can control the expenditure of family income in a planned way and facilitate each family to determine the repayment ability according to their own income. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
3. Can I change the lender in the middle of the mortgage?
Housing loans can change the main lender, but it is necessary to apply to the loan bank, and the provident fund loan can be carried out only after the bank agrees. The loan repayment person can be changed under the following circumstances:
1. When the borrower divorces, it is necessary to transfer the ownership of the house to the spouse.
Step 2 borrow
3. The borrower dies and is declared dead.
Program flow
1. The borrower shall fill in the Application for Housing Mortgage before the loan, and submit the following supporting documents issued by the bank: credit documents such as Chi Yinlan and the borrower's fixed income certificate issued by the borrower's unit; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Housing purchase and construction contract and other documents or materials required by the bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.
5. After the loan contract is signed and notarized, the bank will negotiate the designated selling unit or building unit for the borrower's deposit and loan.
6. The loan applicant repays the loan on a monthly basis.
Repayment method
brief introduction
There are two repayment methods for housing loans with a loan term of more than one year: interest repayment.
Average capital
It is to divide the total loan into equal parts during the repayment period, and repay the equal principal and interest generated by the remaining loans in the current month every month.
Monthly repayment amount = (loan principal/repayment months) (principal-interest rate
Features: As the monthly interest rate is getting less and less, at first, the lender is under great pressure to repay, but as time goes on, the monthly repayment amount is getting less and less.
Average capital plus interest
During the repayment period, the loan with the same amount (including principal and interest) shall be repaid every month.
Monthly repayment amount = [loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]
Features: Compared with the repayment method in average capital, the disadvantage is that there are more interests. Interest is divided at the initial stage of repayment, and with the gradual return of principal, the proportion of principal in capital contribution increases. But the monthly income and expenditure in this way is also convenient for each family to determine according to their own income.
4. Can the mortgage lender be changed?
It is basically impossible, because at that time, financial institutions had considered the income and repayment ability of the main lender when reviewing the loan materials of the main lender, but it was obvious that their review of the main lender was strict, and they chose to issue loans after integrating the comprehensive conditions of the main lender and the * * * repayment person, so now once a * * repayment person is changed, financial institutions have the right. Moreover, for financial institutions, it can be defined as loan fraud to change the name of the repayment person after the loan is issued. Financial institutions will not agree to such a thing. If you apply for a name change before the loan is issued, that is optional.