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.
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.
(The above answers were published on 2017-05-11. Please refer to the actual situation for the current relevant procurement policies. )
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