Although even "whose name is written on the room book?" Such a problem has been discussed, but a new problem has emerged. Do you want to buy a house with a loan in the name of two people? For this question, the shopping guide can tell you clearly, of course! Buying a house with a husband-and-wife loan has many advantages, such as high amount and saving interest. But it is not so easy to get these benefits. Today's guide to buying a house will tell you about the skills and tricks.
Let's talk about the benefits of buying a house with a husband-and-wife loan.
Benefit 1: Expand the loan amount.
At present, many banks require that the monthly repayment amount should not exceed half of the lender's monthly income when approving housing loans.
What's the impact? For example.
Mr. and Mrs. Liu want to buy a house and apply for a housing loan. They need to repay 3,500 yuan every month, but Xiao Liu's monthly income is about 6,000 yuan, which can't meet the requirements of the bank. If Mrs. Liu comes with the loan, the problem will be solved. Although Mrs. Liu, who works in an educational institution, has a low monthly income of only about 2,500 yuan, the sum of the monthly income of the two lenders has reached 8,500 yuan, which is twice the monthly repayment amount and is more than 7,000 yuan, which meets the basic requirements of bank loans. If other conditions are met, you can successfully apply for a bank loan.
Benefit 2: Provident fund loans save interest.
In fact, it is also a question of expanding the loan amount. Of course, this time it is the husband and wife who apply for housing loans together to expand the amount of provident fund loans. Now that house prices are rising so fast, sometimes provident fund loans are often not enough, but even if portfolio loans are used, we should try our best to maximize the value of provident fund.
What are the benefits of buying a house with a loan? It doesn't work.
At present, the interest rate of provident fund loans is 3.25, and the benchmark interest rate of commercial loans is 4.9. Even if commercial loans can be discounted, they should be higher than 1 percentage point. When couples apply for housing loans, the proportion of provident fund loans that can be used increases, and the interest on housing loans that need to be paid naturally decreases.
So, what problems should we pay attention to in order to realize the benefits of buying a house together?
Note 1: Prepare the materials for the husband and wife to use the loan to buy a house.
Preparing for the exam is the key. Both husband and wife need to prepare the following information for buying a house with a loan.
ID card (2 generations need two sides), household registration book (home page, index page and personal page), income certificate (provided by the bank, only need to stamp the company seal on it), house purchase contract, marriage certificate (only one) and down payment receipt.
Among them, ID card, household registration book, marriage certificate and down payment receipt need to be copied in triplicate.
Note 2: Both parties must be present at the same time when signing, signing and transferring.
In the process of buying a house, many signing processes are involved, such as signing a sales contract, handling a mortgage, and transferring transactions, all of which require both husband and wife to be present at the same time.
Under normal circumstances, when * * * buys a house, the names of two people should be stated on the real estate license, so both parties should be present in person; If one party cannot handle it on the spot, it must go through the notarization authorization procedures.
Experts explained that when applying for a mortgage in the name of husband and wife, the bank needs to review the qualifications of both of them at the same time, so it must also sign at the same time when handling relevant procedures.
When handling the transfer formalities, in principle, both parties are required to be present at the same time, because according to the Property Law, whether the property purchased by both husband and wife is owned by * * * or * * needs to be reflected in the sales contract and then stated in the property ownership certificate, so both parties need to be present to confirm. However, if you can't be present, you must also go through notarization and entrustment procedures and explain related matters.
Note 3: Who is the "main lender" is no joke.
In the bank's housing loan contract, only one of the husband and wife is generally designated as the "lender", and the other party can be regarded as the "* * * lender". For "* * * and the Lender", it is not only required to be the immediate family members of the Lender (husband and wife, children and parents), but also to be one of the owners of the mortgaged property with the housing loan. However, this article is an exception for husband and wife. Even if there is only one husband and wife's name on the real estate license, the other party can also be the "* * * lender" of the housing loan.
So who is the "main lender" more appropriate? What role does the "main lender" play?
The "main lender" is mainly related to some insurance issues. When signing a housing loan contract, the bank requires the lender to purchase comprehensive insurance for housing mortgage loans. This comprehensive insurance covers two aspects. One is property damage insurance. When the mortgaged property suffers property losses within the prescribed scope such as fire, storm and collapse, the insurance company shall bear the property losses; There is also a loan repayment guarantee liability insurance. If the lender accidentally dies or is disabled, the insurance company will also bear the remaining repayment responsibilities.
Therefore, when choosing the main lender, we must choose the pillar of the family as the main lender, so that the insurance company can bear the remaining loans when there is an accident in the house.
Note 4: After divorce, "non-principal lenders" also have debts.
If there is no name on the loan contract, don't you have to bear the obligation to pay debts? The answer is obviously no.
What are the benefits of buying a house with a loan? It doesn't work.
Just as the property acquired by married couples belongs to the same property, their debts after marriage are also the same debt. No matter whether one party is the "main lender" or not, whether they jointly applied for a housing loan, they all have the obligation to repay the housing loan. Only when the property is determined to be owned by the divorced party, can the request of changing the mortgage lender be made and the repayment obligation be lifted.
(The above answers were published on 20 17-03- 14. Please refer to the current actual purchase policy. )
Sohu Focus provides you with comprehensive information on new houses, second-hand houses, renting houses and home improvement.
Second, what are the benefits of the provident fund husband and wife combination loan?
2. The loan amount is relatively high. Some property buyers meet the conditions of provident fund loans, but when applying for loans to buy a house, they switch to portfolio loans, probably because the loan amount is not enough. You should know that there is a maximum amount of provident fund loans. The use of portfolio loans can solve the embarrassment of insufficient provident fund loans. Portfolio loan is a combination of provident fund loan and commercial loan. If the loan is insufficient, you can apply for commercial loan.
What is a provident fund portfolio loan?
Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.
Matters needing attention in applying for portfolio loan
1, paid provident fund
Portfolio loan refers to a loan method of applying for provident fund loan and commercial loan at the same time, so buyers actually need to use personal provident fund. The so-called portfolio loan is also the loan mode of "commercial loan provident fund loan", so if you want to apply for this loan, the borrower must pay the provident fund in full and on time in the place where you plan to buy a house, and the provident fund account is still in a normal state.
2. Determine the loan amount
Once the application for portfolio loan is confirmed, it is more difficult to modify it, because it is more complicated to apply for portfolio loan and modify it. Moreover, according to the regulations, once the loan amount of the provident fund part of the portfolio loan is determined, it cannot be changed. Therefore, loan applicants and their spouses need to go to the provident fund management center to inquire about the maximum loan amount and determine the final loan amount according to their own situation.
3. Pay attention to the repayment method
The use of portfolio loans involves two parts: provident fund loans and commercial loans. Some property buyers don't know which standard to follow. For every borrower, when signing a loan contract with a bank, he must first understand these repayment methods and determine the repayment method that suits him, because once the repayment method is agreed in the contract, it is generally not allowed to change it during the whole loan period.
4. Precautions for advance payment
Many homebuyers will consider the problem of early repayment, but friends who buy a house with portfolio loans should pay attention. If they want to repay the loan before the repayment period, they should give priority to commercial loans, because the loan interest rate of commercial loans is higher than that of provident fund loans. If the commercial loan is paid off first, the borrower can save a lot of mortgage interest.
3. What should a couple do if they buy a house instead of a second suite? What are the advantages of husband and wife provident fund and loan?
Since I want to buy a house but can't afford a second suite, first of all, there is no real estate or real estate under my name, but commercial real estate, buying a house in a different place and buying a house in full in rural areas; The advantage is that it can improve the loan pass rate, increase the loan amount and save the loan interest.
Four, both husband and wife have the benefits of provident fund?
Both husband and wife have the benefits of provident fund 1. Both husband and wife are male. At present, it is divided into the following seven purposes. Two people's provident fund means two copies: (1) you can withdraw the provident fund at one time when you buy a house or repay the loan without a loan; Commercial loans can draw provident fund for down payment; Commercial loans can be used to withdraw provident fund (portfolio) loans can be used to withdraw provident fund to repay principal and interest. (II) In the case of building, renovating or overhauling self-owned houses on rural collective land and using housing loans, employees and their spouses may apply for withdrawing the amount of provident fund before the month of building approval (inclusive). (three) to use the provident fund to rent a house to pay the rent of the allocated or rented house; Pay the market rent with the provident fund. (4) If you buy your own house without using a housing loan, you can withdraw your parents' provident fund; Use a personal housing loan from a commercial bank to purchase your own house, and you can withdraw your parents' provident fund after paying the down payment; Buy your own house with a personal housing provident fund (portfolio) loan, and you can withdraw your parents' provident fund after paying the down payment. (5) Withdrawing the balance of all retirement accounts; Agricultural registration practitioners have settled in foreign countries, Hong Kong, Macao and Taiwan; (six) to receive unemployment insurance benefits; Being sentenced to punishment, the registered permanent residence has moved out of the city where the registered permanent residence is located, and the non-urban employees where the registered permanent residence is located have been dissolved or terminated by their units, and have been transferred to the centralized sealed registered permanent residence for 2 years or have terminated their labor relations with the original units for 2 years; If the housing provident fund is established and deposited locally, you can cancel the account and withdraw all the balance of the provident fund. (6) When employees are included in the minimum living guarantee or poverty relief scope for urban residents, employees and their spouses may apply for withdrawal of housing provident fund, and the withdrawal amount shall not exceed the amount of housing provident fund before being included in the minimum living guarantee or poverty relief scope. (7) Treatment of major diseases