When two people are unmarried and buy a house together, the difference between the primary lender and the secondary lender in the loan;
When buying a house with a loan, the main lender understands the problem of the sub-lender. Whoever applies for a loan is the primary lender, and the secondary lender is also called the * * * lender. In fact, her main role is to help pass the loan approval. Legal responsibilities are different.
1. When the husband and wife repay the loan at the same time, the principal lender and the secondary lender must be determined according to the actual situation. Under normal circumstances, in a bank housing loan contract, only one party is regarded as a "lender" (usually referred to as the main lender), and the other party can be regarded as a "* * * lender" regardless of whether the names of both parties are written on the property ownership certificate. When determining the main lender, we should choose the spouse with high and stable income, and pay attention to the age limit, otherwise it will affect the loan term.
Husband and wife buy a house together, what is the share of property? It needs to be determined in advance to avoid future generations. According to the provisions of the Marriage Law: "The property acquired by husband and wife during the marriage relationship shall be jointly owned by husband and wife, unless otherwise agreed by both parties." Therefore, even if the name of the other party does not appear on the real estate license, it does not affect its ownership of the house.
2. In addition, we should pay attention to the change of credit policy. Non-local residents who cannot provide local tax payment certificate or social insurance payment certificate for more than 1 year shall be treated differently. For example, the increase of mortgage down payment ratio and interest rate will undoubtedly increase the cost of buying a house. Therefore, this factor should be considered when determining the main lender.
It may be troublesome for friends to buy a house in partnership, and some banks will be relatively cautious about lending to two unrelated people. If there is no problem with the income certificate issued, it may be relatively easy to find a commercial bank with loose policies. Joint loans need to be divided into main lenders and sub-lenders, and the difference in repayment ability between people can easily lead to the difference in the ownership of housing property rights.
Extended data:
Under normal circumstances, if a family can borrow by itself, it does not need a subprime lender or a lender, which saves trouble. However, if the loan is tightened and the loan approval is difficult, adding a subprime lender and a * * * lender will probably increase your chances of passing the approval. For example, some bank cards are strictly enforced, and the strictly enforced loan amount cannot exceed half of an individual's monthly income.
For example, old Betty Wong earned 8,000 yuan. If he wants to borrow 5000 yuan, he can't. If his wife can earn 7000 yuan a month, add her as a subprime lender, or work with the lender. 15000 divided by 27500 is much higher than 5000, so it is possible to approve it, or the probability of approving it can be greatly improved.
So this subprime lender and the same lender still have a role. However, in this case, when banks approve loans, they must first look at the situation of the main lender, so who will be the main lender is still particular.
Generally, we need to pay attention to three points. First, it must be a lender with high income and stable income, and it is easier to pass the loan approval.
The second is that the main lender should not have too many bad credit records. If the main lender is overdue eight times a year, the loan will definitely blow up.
The third is that the main lender should not be too old. For example, children and parents go to get loans together. Under normal circumstances, it is more appropriate for children to be the main lenders.
What we are most afraid of when buying a house and applying for a mortgage is that the down payment has been paid and the bank loan has not been approved, so we must remember to pay attention when determining the main lender.
Difference between main lender and sub-lender of provident fund loan
Buying a house with a loan, if two people have the same loan, there will usually be one as the main lender and one as the sub-lender. At this time, buyers must distinguish the difference between the two:
First of all, loan records are displayed in different ways in credit reports. When applying for a housing loan, only one loan record will be generated, which will only be displayed on the credit report of the main lender, but not on the credit report of the sub-lender.
Second, the qualification requirements are different. Under normal circumstances, when banks apply for loans, they will let the party with good credit status be the main lender and the other party be the sub-lender.
Three, the loan period is different, the number of years to apply for mortgage loans is calculated according to the age of the main lender, not according to the age of the sub-lender.
Fourth, the repayment order of provident fund is different. When using the provident fund to repay the mortgage, the balance of the secondary lender's provident fund account can only be used after deducting all the balance of the primary lender's provident fund account.
The main lender refers to the borrower, that is, the main person in charge of the loan, and the lender is also called the lender. First, the lender is required to be an immediate family member, that is, husband and wife, children and parents. In the housing loan contract, only one of the husband and wife is generally designated as the "lender", and the other party participates in the loan as the "* * * lender".
The husband and wife use the main loan to buy a house, and the main lender has to bear greater responsibility. Once the primary lender fails to pay back the money, the secondary lender will bear the repayment responsibility.
Whether it is the main lender or not, as long as both husband and wife apply for a housing loan, they have the obligation to repay the mortgage, which is the same as the property obtained by the husband and wife after marriage, and the debt after marriage is the same.
At present, there are two main types of repayment of mortgage loans in China:
1. The buyer is the borrower.
The situation that the buyer is the borrower means that the buyer meets all the conditions of the loan and can buy a house or borrow money in his own name. The name on the property certificate is the name of the purchaser and the name of the lender.
2. The buyer is not the borrower.
The buyer is not a borrower, which means that the buyer himself does not meet all the conditions of the loan, including that the buyer is a minor, or although he is an adult, his 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 parents or others of the purchaser. As long as they meet the loan conditions of the bank and are willing to be borrowers of the purchaser, the bank will also approve such loans to purchase houses. At this time, the name on the real estate license is not the name of the borrower, but the name of the purchaser.
What's the difference between a mortgage lender and a subprime lender?
Major lenders and minor lenders mainly appear in loans. If two people apply for a loan, one of them is the primary lender and the other is the secondary lender, who is responsible for repayment. On the other hand, when one party's repayment ability is insufficient, sub-prime lenders need to lend together.
The main lender refers to the borrower, that is, the main person in charge of the loan, and the lender is also called the lender. First, the lender is required to be an immediate family member, that is, husband and wife, children and parents. In the housing loan contract, only one of the husband and wife is generally designated as the "lender", and the other party participates in the loan as the "* * * lender".
The main lender is the main target of bank audit. Generally, the main lenders are the ones with better financial resources and credit status, so it is easy to get loans and the sub-lenders will be audited, but the requirements for sub-lenders will be slightly lower.
1. The loan record is displayed differently in the credit report: only one loan record will be generated when applying for a housing loan, and this loan record will only be displayed in the credit report of the main lender, while the credit report of the sub-lender will not have this loan record.
2. Different qualification requirements: Under normal circumstances, 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.
3. Different loan years: the years of applying for mortgage loans are calculated according to the age of the main lender, not the age of the sub-lender.
4. The order in which the provident fund is used to repay the loan is different: when the provident fund is used to repay the mortgage, the balance of the provident fund account of the secondary lender will be used only after deducting the balance of the provident fund account of the primary lender.
If you want to apply to the bank to change the main lender, you need to get the consent of the bank first, and then you need to reach an agreement with the changer before applying to the bank. What is provided is to change the identity document of the main lender, but also to provide a running bill, and the bank has to check the repayment ability and credit problems of the individual.
When determining the first-class lender and the second-class lender, the husband and wife must decide according to the actual situation. Under normal circumstances, in a bank housing loan contract, only one party is regarded as a "lender" (usually referred to as the main lender), and the other party can be regarded as a "* * * lender" regardless of whether the names of both parties are written on the property ownership certificate. When determining the main lender, we should choose the husband and wife with high and stable income. In addition, we should pay attention to the age limit, which may affect the loan term.
Second, pay attention to the change of credit policy.
For non-local residents, do your homework when buying a house. If you can't provide the local tax payment certificate or social insurance payment certificate for more than 1 year, you will be treated differently. For example, the down payment ratio of mortgage will increase and the interest rate will rise, which will undoubtedly increase the cost of buying a house.
Third, friends should be cautious when buying a house in partnership.
When friends buy a house in partnership, it may be more troublesome to apply for a loan. Some banks are relatively cautious about lending to two unrelated people. If there is no problem with the income certificate issued, it may be relatively easy to find a commercial bank with loose policies. Common loans need to be divided into main lenders and sub-lenders, and the difference in repayment ability between people can easily lead to differences in the ownership of housing property rights.
"People's Republic of China (PRC) City Real Estate Management Law"
Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.
Article 62 When a real estate is mortgaged, it shall be registered with the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.
People's Republic of China (PRC) Civil Code
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan. Article 672 The lender may inspect and supervise the use of the loan as agreed.
The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.
Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.
The difference between the main lender and the secondary lender of provident fund.
In fact, in provident fund loans, there is not much difference between primary lenders and secondary lenders. As both borrowers and borrowers, they naturally have to bear the responsibility of repayment.
If we must distinguish the difference, that is, when handling provident fund loans, the loan handling bank will have stricter requirements for the main lender than the sub-lender.
The principal lender is the main audit object of the bank, and the age, education, economic income, debt and personal credit of the principal lender will affect the approval of the loan. However, subprime lending institutions will also be audited. If the sub-prime lender's qualification is not up to standard, it will also have a certain impact on loan approval.
In this regard, it is suggested that two people who apply for provident fund loans should take one with good credit and high economic and financial level as the main lender and the other as the secondary lender.
In addition to this difference, when the provident fund loan is not paid, the loan handling bank may first recover from the main lender and then recover from the sub-lender, that is, there will be an order of recovery.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
Features:
First, it is universal. Urban workers must pay the housing provident fund in accordance with the provisions of the Regulations, regardless of the nature of their work units, family income and whether they have housing.
Second, it is mandatory (policy-oriented). If the unit fails to register the housing provident fund deposit or set up a housing provident fund account for its employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people for compulsory execution;
Third, welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;
4. Repayment: the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, and the household registration moves out or settles abroad. The paid housing provident fund will be returned to individual employees.
The difference between a primary lender and a secondary lender.
What's the difference between a primary lender and a secondary lender? Let's take a look first. Under what circumstances do we need primary lenders and secondary lenders?
There are several situations in which a primary lender and a secondary lender can appear:
1. If one party is over 60 years old and needs a loan, it must be loaned by one person. If the elderly need money, it is that the elderly are the main lender and the other is the subprime lender;
2. When an enterprise or business needs a large loan and its own credit line is not enough, it needs one person to lend together, so the credit line of two people is enough. The borrower is the primary lender and the other is the secondary lender.
These are the two most common situations. The main lender generally refers to the party that needs money, so if the main lender can't pay back the money and can't find anyone, congratulations to the subprime lender, and the bank will come to you for money.
However, if the main lender has no problem, repays on time and has no bad record, the lender will basically not be approached by the bank, so if someone around you wants to ask you for help as a subprime lender, you must consider it clearly, because it is very likely that you will bear a lot of debts for no reason and cannot turn over.
Another possibility is that the subprime lender needs money, but his credit or other information is not good. At this time, it is necessary to find a person with a good record as the main lender, so it is easy to get money.
The difference between a primary lender and a secondary lender is above, but I want to advise you not to help others easily, whether it is a primary loan or a secondary loan. Something's wrong. I can't run away. The above are my personal views and thoughts for your reference only.
The difference between a major lender and a minor lender.
The main lender and sub-lender mainly appear in loans, and the main lender is the main object of bank audit. Generally, the main lender is the one with good financial resources and credit status, and the secondary lender will also be audited, but the requirements for the secondary lender will be slightly lower. The primary lender and the secondary lender have the same repayment obligation.
1. The ownership of loan records is different.
A loan business will only produce a loan record, which will only be displayed on the credit report of the main borrower, and the credit report of the sub-lender with the same loan will not show the loan record.
2. The repayment order of provident fund is different.
Where the repayment procedures of provident fund are handled, the repayment order of provident fund is: the balance of basic account of the main borrower-the balance of supplementary account of the main borrower-* * and the balance of basic account of the borrower-* * and the balance of supplementary account of the borrower. That is, the balance in the secondary lender's provident fund account will not be used until all the balances in the primary borrower's provident fund account are deducted.
3. The calculation method of loan life is different.
Whether it is a commercial loan or a pure provident fund loan, one of the calculation methods of loan life: according to the age of the borrower, according to the age of the main borrower, not according to the age of the subprime lender who borrowed the same loan.
4. Banks have different qualification requirements for borrowers.
Banks tend to let spouses with better qualifications (income and credit information) as the main borrowers to reduce the risk of bad debts.
What should primary lenders and secondary lenders pay attention to when handling loans?
First, determine the main lender and sub-lender.
When determining the first-class lender and the second-class lender, the husband and wife must decide according to the actual situation. Under normal circumstances, in a bank housing loan contract, only one party is regarded as a "lender" (usually referred to as the main lender), and the other party can be regarded as a "* * * lender" regardless of whether the names of both parties are written on the property ownership certificate. When determining the main lender, we should choose the husband and wife with high and stable income. In addition, we should pay attention to the age limit, which may affect the loan term.
Second, pay attention to the change of credit policy.
For non-local residents, do your homework when buying a house. If you can't provide the local tax payment certificate or social insurance payment certificate for more than 1 year, you will be treated differently. For example, the down payment ratio of mortgage will increase and the interest rate will rise, which will undoubtedly increase the cost of buying a house.
Third, friends should be cautious when buying a house in partnership.
When friends buy a house in partnership, it may be more troublesome to apply for a loan. Some banks are relatively cautious about lending to two unrelated people. If there is no problem with the income certificate issued, it may be relatively easy to find a commercial bank with loose policies. Common loans need to be divided into main lenders and sub-lenders, and the difference in repayment ability between people can easily lead to differences in the ownership of housing property rights.