1. Different qualification requirements: Under normal circumstances, when applying for a loan, banks will let the party with good credit status be the main lender and the other party be the sub-lender.

2. Different loan years: the years of applying for mortgage loans are calculated according to the age of the main lender, not according to the age of the sub-lender.

3. 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.

4. The main lender is the main target of the loan handling bank (lending institution, platform), and the secondary lender will also be audited, and the requirements are usually lower than those of the main lender.

5. The display of loan records in the credit report is different: 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.

What are the common misunderstandings of the main lender?

1. The mortgage shall be borne by a main lender. No matter whether the house is bought before marriage or after marriage, as long as the borrower participates in repaying the loan, this house will have a share of the borrower. So in any case, even for the sake of husband and wife and beauty, husband and wife should try to repay the loan together. What I want to explain here is that for couples, even if there is only one party's name on the real estate license, the other party can be the lender of the house loan, that is to say, whether there is a name on the house book or not, the other party is eligible to participate in the loan repayment. In the future, you can ask the other party to help you repay the loan. The other party uses the fact that there is no name in the household registration book and the house does not belong to him. You can refute him like this.

2. The main lender owns most of the house property rights. Buying a house before marriage, whether the house is shared equally or distributed according to shares, can actually be stipulated in the purchase contract, and it is not necessary for the main lender to occupy most of the property rights of the house. And if you buy a house after marriage, whether it is the main lender has nothing to do with the property share. This house is shared by husband and wife, and the property rights will be divided equally. Third, if you are not the main lender, you don't have to pay the mortgage when you divorce. If you buy a house after marriage, the mortgage is the debt of both husband and wife, so whether you are the "main lender" or not, whether you have applied for a housing loan or not, both husband and wife have the obligation to repay the housing loan. Only when the property is judged to be owned by the divorced party, the party who is the "same lender" can ask the housing lender to change and cancel its repayment obligation.