When applying for a mortgage, the couple’s credit reports will be checked. When applying for a mortgage after marriage, you apply as a family unit, so no matter who is the primary lender, the bank will check the credit report of the couple. That is, when one party has bad credit, it will directly affect the result of the mortgage loan review. If both parties have good credit scores, it will be helpful for them to pass the mortgage loan review. In addition, when applying for a mortgage after marriage, both spouses need to sign for confirmation. When applying for a mortgage after marriage, one party will be the primary lender and the other party will be automatically identified as the subprime borrower. Although most of the time, the primary borrower's repayment ability and financial status are checked, but the credit of the subprime borrower does not meet the mortgage requirements. It will also directly affect the results of the mortgage review. Therefore, make sure both spouses have good credit scores before applying for a mortgage. As for applying for a mortgage before marriage, you only need to check the lender's own credit report.

Things to note when one spouse buys a house separately

1. According to regulations, regardless of whether the name of one party or both parties is on the property certificate, as long as both spouses contribute jointly after marriage. The property rights of the houses obtained (including loans) are all the same property.

2. The husband and wife contributed capital (including loans) to obtain the property rights of the house after marriage, which affects the division of the house after divorce. First of all, it is necessary to clarify the property rights. Regardless of whether it is the name of one party or both parties on the property certificate, it is the same property. Secondly, it is clear that the output value, that is, the value of the house, is calculated based on the market price, not the original purchase contract amount. Distinguish between the equity part and the debt part again.

3. If the house is purchased after marriage and the personal property of one party is used, it must be proved that it will belong to one party in the future. The two parties can sign an agreement to prove that one party made the personal investment instead of using the joint property of the couple. , and indicate it when notarizing and registering the real estate certificate, so that it becomes the personal property of one party. If your parents contribute the capital, you can have your parents write a gift letter and indicate that it is gifted to one of you instead of both parties, and then notarize it, so that it becomes your personal property.

4. According to the regulations of most banks on personal loans, the age limit for borrowers is over 18 years old and under 65 years old. So the younger the primary borrower, the longer the loan term you can get.

5. Since couples apply for mortgage loans as a family unit, as long as one party has credit problems, it will affect the mortgage approval. If a party with good credit is selected as the primary lender, but the sub-lender has arrears and late payment penalties, the loan amount and interest rate will be affected. Since the primary lender has good credit, the loan approval rate will still be lower. Higher.