Does husband and wife borrow money jointly buy a house who is advocate borrow a person? What should

A lot of youths can buy a house when marry nowadays, some husband and wife are before marry with respect to house of try to win sb's favor, and some husband and wife are after marriage ability buys a house. The room is bought to have a lot of profit after marriage of husband and wife, for the husband and wife that buys a house to loan especially, higher specified number can apply for to spend when application room is borrowed, but husband and wife buys a house in collective loan when, need has agreed who is advocate borrow a person, what to still need to understand husband and wife to buy a room to need to notice jointly?

Does husband and wife borrow money jointly buy a house who is advocate borrow a person?

1, choose the one party with high income

The bank connects regular meeting to evaluate the reimbursement capability of usurer with the income of usurer and bank running water when examining usurer data, choosing so advocate when borrowing a person, want an income tall and stable one party serves as advocate borrow a person, the bank is approved more easily borrow loan.

2, choose the one party with sign a letter good

For the person that buys a house to loan, the bank values the individual of borrower to impose letter condition very much, for imperfect to signing a letter person, possible application is less than a room to borrow, because this should let sign a letter,good one party serves as advocate borrow a person, when because of husband and wife collective loan buys a house, only should one party asks for letter existence problem to be able to affect a room to borrow examine and approve. If advocate borrow a person to sign a letter good, "Collective usurer " put in a few problems that sign a letter, but had solved later, won't affect a bank to approve commonly borrow loan.

3, the one party that chooses professional stability

When the bank is undertaking checkup to usurer, joint hearing checks the profession of usurer, if there is the profession of one person to belong to employee of officeholder, state-owend enterprise, institution employee, doctor in both sides of husband and wife or if the teacher waits for type profession, loan of application of this type personnel is easier.

What does husband and wife buy a room to need to notice jointly?

1, wife both sides must show up jointly

When both sides of husband and wife is dealing with loan to buy a house, cannot be only among them one person participation is signed, must show up jointly, according to content authority law sets, the house property that husband and wife purchases jointly, it is collective and mutual after all, still press a portion to share, need is reflected in business contract come out, carry on house property card then bright, because this need is bilateral and present,sign affirm. But if cannot show up, also must deal with notarial collection to entrust formalities, it is clear to explain relevant matters concerned explain relevant matters concerned.

2, belt neat place requires certificate

To bank and carry out room person the data that asks to carry, should get ready first before buying a house, take when the face is signed next, such ability are finished register. If two people are dweller of blame this locality, still need to offer proof of bilateral place pay taxes or proof of social insurance pay, treat according to policy of loan of dweller of blame this locality otherwise. Of course, dealing with when mortgaging loan, if among them one person income is higher, examine and approve through aptitude unchallenged, additionally the income of one party proves to need not be offerred.

3, it is good to what occupy portion to be decided ahead of schedule

Even if is husband and wife buys a house, how much is also needing to decide good place to hold share, for the husband and wife that goes up to keep one party name only to those house property card especially, lest produce issue in the future. The property that has a few husband and wife at present executes AA to make, worth share issue considers with respect to need when collective loan buys a house.

Above is small write everybody introduction, husband and wife borrows money jointly buy a house who is advocate borrow a person, and the relevant content that husband and wife buys a room to need what to notice jointly, husband and wife borrows money jointly when buying a house, no matter be who is made,give priority to borrow a person, other one party has the obligation of collective reimbursement, do not borrow a person in order to give priority to should oneself assume the responsibility that returns a room to borrow, the bank chooses advocate the main responsibility person that just borrows a person to serve as a room just.