1. Can both husband and wife take out credit loans from rural credit cooperatives?

What issues should couples pay attention to when applying for the same loan?

1. Both parties to the contract must personally Be present

The process of buying a house involves many signing processes, such as signing a sales contract, applying for a mortgage, and transferring ownership, etc., which requires both husband and wife to be present at the same time. In addition to signing a real estate sales contract, both parties also need to be present in person when applying for a mortgage and handling transfer procedures. Experts explained that when applying for a mortgage, sometimes the application is made jointly in the name of husband and wife. Therefore, the bank needs to examine the qualifications of both people at the same time and must sign at the same time when handling relevant procedures.

2. The necessary documents for both parties are indispensable

Compared with one person’s loan, a couple who buys a house together requires relatively more documents, and all of them are indispensable. When taking a loan, you must provide the bank with income certificates, social security certificates, etc. of both parties. Of course, there are exceptions to the following circumstances: If one spouse has passed the qualification approval and has a higher income, and repaying the loan is not a problem, then the income certificate of the other spouse is It does not need to be provided.

3. Both parties’ credit reports need to be reviewed

When applying for a mortgage, if a husband and wife are applying for the same loan, the bank will conduct a credit check on both parties. Review, if one party has a bad credit record, it will affect the loan application of both parties. Therefore, you must protect your credit record.

4. Agree on the share in advance

For this kind of house purchased by a couple together, it is generally stipulated that both spouses own it together, that is, both spouses enjoy it Equal ownership. If they are a prospective couple and have not received a marriage certificate yet, both parties must jointly finance the purchase. They cannot apply for a joint purchase because they have not received a marriage certificate yet. Then, it is recommended that both parties handle this kind of share-based payment based on the amount of investment, that is, agree on the share in advance before going through the formalities.

5. Pay attention to primary loans and subprime loans

If a husband and wife buy a house with the same loan, it does not mean that both husband and wife are the primary lenders. During the interview, the bank loan officer will ask which party of the couple should be set as the "lender" and which party should be set as the "same lender" to participate in the repayment. When determining the primary lender and secondary lender, it must be determined based on the actual situation, which can be analyzed from the aspects of income, credit, and age.

6. "Non-prime lenders" also have debts after divorce

Just like the property acquired by the couple after marriage is ***, their debts after marriage are also ***. *Same as debt. Regardless of whether one party is the "primary lender" or not and has applied for a housing loan simultaneously, he or she has the obligation to repay the housing loan. Only when the property is determined by the divorced party, can the party request to change the housing lender and relieve himself of the obligation to repay the loan.

2. How many loans can a family receive from a rural credit cooperative?

More than 4 people can be loaned, and a family with one rural credit cooperative household registration can get loans in the same year.

But everyone’s loan requires a corresponding property mortgage or deposit mortgage. Credit unions are happy to lend. In addition to being a husband and wife, a family in the household registration book has relatively good loan capabilities. Credit union loans can be divided into different types, and there are even many different policy loans in various places.

3. When taking out a loan from a credit union, can both the couple's quotas be used to get two loans?

Both can be used, but it is not necessary. Because an account is considered a credit unit. If you take out a loan yourself, the bank will ask your wife to come and sign. If you are not married yet, the bank will ask your parents to come and sign.

So assuming that the credit limit of you and your wife in the banking system is 50,000 yuan, if you borrow all the 50,000 yuan, your wife will not be able to get another loan. If you only After taking out a loan of 30,000 yuan, you can use your wife's name for the remaining 20,000 yuan in loan. Of course, you can also use your own name to get another 20,000 yuan loan.