How to get a loan for couples: Analysis of hot topics on the Internet in the past 10 days
Recently, joint loans for couples have become a hot topic. Whether it is for home purchase, starting a business or investing in education, joint loans for couples can provide higher amounts and more flexible solutions. This article combines the hot content on the Internet in the past 10 days to provide you with a detailed analysis of the process, conditions and precautions for a couple's loan.
1. Popular types of loans for couples
| Loan type | Applicable scenarios | Interest rate range |
|---|---|---|
| home loan | House purchase and decoration | 3.8%-5.5% |
| consumer loan | education, medical | 4.5%-8% |
| operating loan | Small and micro enterprise entrepreneurship | 4%-7% |
2. Application conditions and materials
A joint loan between husband and wife must meet the following basic conditions:
| project | Specific requirements |
|---|---|
| age | Both parties must be over 18 years old, and the age of the main lender + loan period ≤ 70 years old |
| Credit history | The credit reports of both parties were overdue three times and six times in a row. |
| Proof of income | Bank statements of both parties in the past 6 months are required. |
| marriage certificate | Original and copy of marriage certificate |
3. The latest policy points in 2023
Organized according to recent hot policies:
| Policy content | Scope of influence |
|---|---|
| Dynamic adjustment of first-time home interest rates | 38 cities can independently lower the interest rate floor |
| Provident fund off-site loan | 8 urban agglomerations achieve mutual recognition and mutual lending |
| Recognition of joint debts | Debts that require signature confirmation by both parties are considered joint debts |
4. Detailed explanation of the handling process
1.Preliminary preparation: Evaluate the credit status of both parties and calculate the debt-to-income ratio (recommended ≤50%)
2.Material preparation: Need to prepare ID card, household register, income certificate, house purchase contract (if applicable), etc.
3.Bank interview: Both parties must be present to sign at the same time, and face recognition and willingness confirmation are required.
4.mortgage registration: Real estate loans require mortgage registration procedures
5.lending: Loans will be released within 1-3 working days after approval
5. Things to note
1.Primary Lender Selection: It is recommended to choose the party with higher income and better credit as the primary lender.
2.Liability impact: A joint loan will appear in the credit reports of both parties at the same time.
3.Early repayment: Some banks stipulate that early repayment requires joint application by both parties.
4.divorce settlement: It is necessary to negotiate the loan division plan in advance to avoid affecting the credit report.
6. Expert advice
Financial expert Wang Min pointed out: "Couple loans should pay special attention to three balances:Balance of liabilities and assets,Balancing short-term needs and long-term planning,Balance of risk tolerance and loan size. "
A recent hot search case shows that a post-90s couple saved about 150,000 yuan in interest expenses through a combination loan (provident fund + commercial loan). This topic has been read 230 million times, triggering widespread discussion.
Final reminder: Policies vary in different regions. It is recommended to consult a local bank or professional financial advisor before applying to choose the most suitable loan plan.
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