Do I need to check my spouse's credit information for the loan? What are the terms of the loan?

Lead: At present, many people like to borrow money to buy a house and a car, but some people with poor qualifications will think of using mortgages to get loans, but some spouses have bad credit and can't get loans. So do you need to check your spouse's credit information for the loan? What are the requirements?

Credit investigation of loans Personal credit loans do not check the spouse's credit investigation, and it is a personal behavior for individuals to apply for credit loans. The bank only checks the lender's own credit report, not the spouse's credit report. Only when applying for family-oriented loans such as car loans and mortgage loans will banks or financial institutions inquire about the credit information of both husband and wife. As long as any party's credit information is poor, it may affect the audit results.

For loans from married people, the bank will check the credit records of both husband and wife. If either party has a bad credit record, it will affect the approval of the loan. Therefore, for married people's loans, both husband and wife must pay attention to maintaining good credit information.

According to the relevant provisions of the Marriage Law, the property acquired during the marriage relationship belongs to the husband and wife, and the debts incurred during the marriage relationship are shared by the husband and wife. Therefore, banks will consider the credit records of both husband and wife when lending.

The bank loan application conditions are as follows

1. China citizens have a fixed residence at the place where the loan bank is located, have a fixed residence or a valid residence certificate, are under 65 years of age and have full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

Personal loan application shall meet the following conditions

1. The lender is a natural person with full capacity for civil conduct who meets the relevant state regulations in People's Republic of China (PRC) or abroad;

2. The purpose of the loan is clear and legal;

3. The loan application amount, term and currency are legal;

4. The borrower has the willingness and ability to repay;

5. The borrower's credit status is good and there is no significant bad credit record;

6. Other conditions required by the lender.

Warm reminder: If you want to borrow money online or in a bank, then your personal qualifications must be fine, because if your personal qualifications are not good, it will greatly affect the future loan to buy a house and a car, and you must maintain a good credit after the loan, and don't let the credit report turn black after the deadline.