If the lender is either spouse, the bank will check the credit history of the other spouse. If the other spouse has a bad record, it may also affect the bank's approval.
Because according to the relevant provisions of China's Marriage Law, during the marriage relationship, all the property obtained will be owned by both husband and wife, and any finance generated during this period will also be borne by both husband and wife, so the bank will consider the credit records of both husband and wife when lending.