| 名義
Name |
契約者
Contractor |
住宅ローン控除
Mortgage |
団信
Group Credit |
||
| 単独名義
sole ownership |
一人
One person |
どちらか一人
Either one person |
一人分For
one person |
名義人のみ
Only one person |
|
| ペアローン
Pair Loan |
夫婦二人Two married couples | 夫婦それぞれ
Each married couple |
二人分利用可
Available for two persons |
夫婦それぞれ
Each married couple |
|
| 収入合算Combined Income | 連帯債務型
Joint Debt Type |
夫婦二人Two married couples | どちらか一人
One of them |
二人分利用可
Available for two persons |
名義人のみ
Only one person |
| 連帯保証人
Joint guarantor |
一人One person | どちらか一人
Either one person |
一人分
One person |
名義人のみ
Only one person |
|
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When purchasing real estate, the “pair loan” option comes into play, especially when a married couple is considering the purchase.
A pair loan is a form of mortgage in which each member of the couple becomes the primary obligor, jointly and severally, on the mortgage. The major advantage of this method is that when both parties have income, it is possible to borrow larger amounts. In other words, by combining two people’s incomes when there is not enough income, it is easier to get approved for a loan.
However, this method also requires caution. It is important to plan carefully so that the amount borrowed does not become too large.
Other similar forms are the “joint and several liability type” and the “joint and several guarantee type,” but the difference between them lies mainly in the detailed terms of the contract and the responsibilities. In the joint debt type, the couple borrows jointly, and in the joint guarantee type, one is the primary obligor and the other is the guarantor.
Another advantage of having a loan taken out by two people is that the property becomes the joint ownership of the couple after full repayment and they can enjoy the pleasure of sharing the property.
However, this joint ownership may complicate procedures in the event of divorce or inheritance, so thorough discussion is necessary in advance.
In the case of inheritance, there is a means to consolidate the property in one’s name in old age, but in the case of divorce, more careful discussions are required.
For pair loans, joint and several liability type loans, and joint and several guarantee type loans, be sure to check each bank’s detailed plan before taking out a loan. The above is a general loan framework and we hope it will help you choose the best method for each family.
[Jcbo Real Estate of Japan] (10:00 AM – 6:00 PM) Real estate questions, concerns and inquiries: info@jcbo.jp
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