夫妻俩还房贷怎么扣钱

在现代社会，夫妻共同购房并承担房贷已成为常见现象。那么，夫妻俩还房贷究竟是怎么扣钱的呢？

首先，如果夫妻双方公积金账户都办理公积金代扣业务，通常会以一方公积金账户为主扣款帐户。当主扣款帐户扣款后还不足以偿还当月应还贷款本息时，就会再扣另一方公积金账户余额。但如果夫妻俩公积金账户余额累计不足以偿还当月应还贷款本息时，就不再“代扣”，委托人应在每月还款日前向还款储蓄帐户（申请贷款时提供的）存入能够按月足额划转的资金。

另外，房贷还款的方式也会影响扣钱的流程。常见的还款方式有等额本金和等额本息两种。等额本金还款方式下，每月偿还的本金相同，利息逐渐减少，前期还款压力较大，后期相对轻松；等额本息还款方式则是每月还款的本金比例逐月增加，贷款利息比例逐月下降。银行一般会推荐等额本息还款方式，因为它将按揭贷款的本金总额与贷款利息总额相协调，然后均分到每个月，使得每月还款额相对稳定。

在实际操作中，银行会在还款日前发送短信提醒，夫妻双方需要确保还款银行卡中有足够的资金用于扣款。如果是通过办理房贷时指定的专属还款卡进行扣款，那么在规定的还款时点前，要在卡中存入足量的资金，银行会自行扣除。

对于夫妻共同还房贷，还需要注意一些细节。比如在申请房贷时，如果是以夫妻名义共同申请，银行会同时考察两人的资质，办理相关手续时也必须双方亲自到场签字。在办理过户手续时，原则上也要求夫妻双方同时到场，如果无法到场，需要办理公证收取委托手续，并将相关事宜交代清楚。

总之，夫妻俩还房贷的扣钱方式需要综合考虑公积金代扣、还款方式、银行规定以及夫妻双方的实际情况等多种因素。只有充分了解并做好准备，才能确保房贷还款的顺利进行，维护良好的信用记录。

How Do Couples Pay off the Mortgage

In modern society, it is common for couples to purchase a house together and bear the mortgage. So, how exactly do couples pay off the mortgage?

Firstly, if both the husband and wife's provident fund accounts have signed up for the provident fund deduction service, usually one account is set as the main deduction account. When the deduction from the main account is insufficient to cover the loan principal and interest due for the current month, the balance of the other spouse's provident fund account will be deducted . However, if the combined balance of both provident fund accounts is insufficient to cover the monthly repayment, the "deduction" will stop. The委托人 (client) should deposit sufficient funds that can be transferred monthly into the repayment savings account (provided during the loan application) before the monthly repayment date .

In addition, the repayment method of the mortgage also affects the deduction process. The common repayment methods include equal principal repayment and equal principal and interest repayment. Under the equal principal repayment method, the principal repaid each month is the same, and the interest gradually decreases. The repayment pressure is relatively high in the early stage and becomes easier in the later stage. The equal principal and interest repayment method means that the proportion of the principal repaid each month gradually increases, and the proportion of the loan interest gradually decreases. Banks generally recommend the equal principal and interest repayment method because it coordinates the total principal and total interest of the mortgage loan and then evenly distributes them to each month, resulting in a relatively stable monthly repayment amount.

In practice, the bank will send a text message reminder before the repayment date. Both spouses need to ensure that there are sufficient funds in the repayment bank card for deduction. If the deduction is made through the dedicated repayment card specified when applying for the mortgage, sufficient funds should be deposited into the card before the specified repayment time point, and the bank will deduct the funds automatically.

For couples jointly repaying the mortgage, some details need to be noted. For example, when applying for a mortgage, if it is jointly applied in the name of the couple, the bank will assess the qualifications of both parties simultaneously, and both parties must be present in person to sign during the processing of relevant procedures. When handling the transfer procedures, both spouses are required to be present in principle. If one cannot be present, a notarized power of attorney must be processed, and the relevant matters should be clearly explained.

In conclusion, the deduction method for couples repaying the mortgage requires comprehensive consideration of factors such as provident fund deduction, repayment methods, bank regulations, and the actual situation of both spouses. Only by fully understanding and being well-prepared can the smooth progress of mortgage repayment be ensured and a good credit record be maintained.