住宅ローン審査について 私(妻)に過去3社程のノンバンクか…
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- 住宅ローン審査について 私(妻)に過去3社程のノンバンクからの借金が総額100万円程ありました。 2年半前に完済をしていますが 借金は両親の為にしてしまい、返済も両親に任せていました 。ですが幾度も遅延を繰り返していたようです。返済額も利息だけの返済などしてしまっており、100万の借金の返済に約10年はかかっていました。 この借金については一社に完済後に過払いの請求もしました。 現在はというと、借金はゼロで、 先月の買い物のカードのリボ払いが4万円ほどあるだけす。 そんなこんなで現在は結婚し、 住宅ローンを主人と考えていますが、 手元にお金を残したいと言うこともあり、フルローンで考えています。 主人は役所関係の団体職員、年収480万程の今まで無借金。私は一部上場企業の扶養範囲内パート社員です。 仮審査の段階で地銀の人に私の名前や生年月日まで聞かれました。当たり前に、保証人になるでしょ？と言わんばかりに。 主人にも借金の件は話していますので、なるべく私をかかわらせないようにとしてくれているのですが、私に話を振られた時に気まずそうにするのは良く無いと思い、正直に答えました。 幾つかの地銀で同じような事があり、仮審査は通っているところもあったり、希望の金利では難しいと言われたりするところもあったりしています。 仮審査が通っているところに頼むようになると思うのですが、本審査で私の履歴が障害になり、通らない、と言うことはあるのでしょうか。 また、銀行の審査は通っても、主人に保証会社をつける場合、保証会社との契約に私の保証が必要になりますでしょうか。 よろしくお願いします。
- 住宅ローンなら連帯保証人じゃなくて連帯債務者でしょうね。夫の収入だけでは足りずに、妻も返済に参加するなら必要になります。 想像だけで悩んでいるのが最もよくないことです。疑心暗鬼になって、せっかくの家造りの計画が、楽しいことではなくなってしまいます。 まずは、大急ぎであなたの信用情報を、CIC、JICC、全銀協から取り寄せて、事故情報が掲載されていないか確認してみてください。事故情報が記入されていたら、事情など考慮されることなく、あなたの連帯債務者としての能力は無いとみなされます。 もっとも、もしそうなら、仮審査が通るところは一社ありませんから、一社でも通ったのなら、それはないと判断できますけれどね。 もし事故情報が掲載されているのなら住宅ローンにあなたがからむのはＮＧなので、あいまいな態度はとらずに、「自分は連帯債務者になる予定はないので夫のみで審査してほしい」と明言することです。どうせパート収入程度じゃ、はなからＮＧでしょうから、本当は検討するまでもないように思いますが。 また事故情報が誤った事故情報なら取り消すよう求めることもできますので積極的に行動すべきです。それと事故情報は無くても、多額の貸金業者からの借り入れ情報を問題にする金融機関もありますから、いずれにしても、あなたは審査の対象にはしないほうがいいと思いますよ。 希望している金融機関では仮審査が通らなかったという場合は、やはり夫の属性に問題があったのだと思いますよ。 でもそれで審査を通すしか無いのでしたら、夫に関しては、もしクレジットカードがいくつもあるようなら、一枚だけにして、他のカードは廃止し、また廃止しないカードは、キャッシング機能を停止することです。キャッシングリボができるカードは、その限度額までいつでも借りられる状態なので、審査では「実際に限度額まで借りている」とみなして審査されてしまいますからね。
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