You also need * * * to bring debt.
When a married party borrows money from abroad and generates debts, it is generally not recognized as the same debt as the husband and wife when their spouse is unaware of it. However, if the money actually borrowed is really a debt used for family daily life, and the amount borrowed is also within a reasonable range, then it should be treated as the same debt for husband and wife.
It also depends on the specific situation. According to the relevant judicial interpretation, if one party borrows money abroad after marriage and his spouse doesn't know it, it is generally not recognized as the same debt as the husband and wife. At this time, the other party does not need to bear it. However, if the money actually borrowed is really a debt used for family daily life, and the amount borrowed is also within a reasonable range, then it should be treated as the same debt for husband and wife. Even if the other party doesn't know, it needs to bear it.
Can personal consumption loans be used to buy a house?
First of all, answer directly.
You can't.
Second, the specific analysis
Buying a house should apply for a mortgage directly, not a consumer loan.
Consumer loans, as the name implies, refer to loans for daily consumption.
Daily consumption can be household appliances, furniture, digital products, home improvement, tourism, education, wedding, leasing, medical care, even car purchase or business turnover, but it must not be used to buy a house.
The use of general consumer loan funds will definitely prohibit the purchase of houses and investment, which are risky projects, especially the housing market. In order to prevent real estate speculation, there are restrictions on mortgage interest rate, mortgage number, mortgage amount and mortgage times, while consumer loans lack corresponding restrictions, and of course they cannot be used to buy a house.
There are too many applications, and I am worried that my big data will lead to the failure of car loans and mortgages in the future. You can check it quickly in Beijian and check it out. The system provides the most accurate information for debtors, people who apply for excessive online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan application times, credit reports, etc. , so that you can better understand your credit status.
Third, what should be paid attention to when the interest rate of consumer loans is lowered?
There are the following points to pay attention to when interest rates fall.
1. If the consumer loan interest rate is lowered, it shall not be lower than the mortgage interest rate.
You can apply for provident fund loan mortgage. 1-5 has an annual interest rate of 2.75%, and 6-30 has an annual interest rate of 3.25%, which is absolutely low. Moreover, even if the provident fund account does not meet the loan conditions at present, people who apply for commercial loans to buy a house can change to provident fund loans in the future and still enjoy low interest concessions.
2. The interest rate of consumer loans is lowered to the lower limit, which may not be enjoyed by everyone.
For example, if the consumer loan interest rate is lowered to a minimum of 3.9%, A user's comprehensive credit is good, and the actual interest rate approval is 3.9%, but B user's comprehensive credit is average, and the actual interest rate approval may be 4.5%, which is uncertain and variable.
The mortgage interest rate is much more stable than the consumer loan with pure credit application, if there is at least collateral as a guarantee, so it is better to buy a house and apply for a mortgage.
How to deal with the buyer's original mortgage when the buyer buys the house in full?
Direct transfer to the buyer.
Whether the buyer is a full payment or a loan, it does not affect the seller. Even if it is a loan, it can be directly transferred to someone when going through the formalities.
The most common way of second-hand housing transactions is that the owner of this house has a low loan amount or the owner has repaid most of the loans, and there are not many remaining loans. The landlord can pay off the remaining loan with the purchase price and down payment, and then cancel the mortgage registration of the property and make the next transaction. However, it should be noted that some banks may have certain restrictions on prepayment in loan contracts, for example, if the seller does not have the conditions for prepayment.
My company bought a house with a bank mortgage loan. How to make accounting entries?
The Company purchases houses by mortgage loans from banks, and the accounting treatment is as follows:
1. When buying a house with mortgage loan:
Borrow: fixed assets
Loans: Long-term loans
2. When paying the loan every month:
Borrow: Long-term loan
Loans: bank deposits
Extended data
Property tax accounting entries
When calculating:
Borrow: management fee
Loan: taxes payable-property tax payable
When actually paid:
Borrow: taxes payable-property tax payable
Loans: bank deposits
Property tax payable by construction enterprises should be accounted by the subject of "tax payable-property tax payable".
The credit of this course reflects the property tax payable by the enterprise.
The borrower reflects the real property tax paid by the enterprise.
The balance reflects the unpaid property tax payable by the enterprise at the lender.
At the end of the month, the enterprise shall calculate the property tax payable in accordance with the regulations and make the following accounting entries:
Borrow: management fee
Loan: taxes payable-property tax payable
Enterprises should make the following accounting entries when paying property tax within the prescribed tax period:
Borrow: taxes payable-property tax payable
Loans: bank deposits