Legal analysis: when a married person applies for a loan, the bank will review your and your spouse's credit records when reviewing the loan. If the spouse fails to repay many times, even if the lender borrows money to buy a house in the name of husband and wife, even if the lender has a good credit record, the bank will doubt the family's repayment ability and credit degree, and will be more cautious when lending.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1046 Marriage shall be voluntary by both men and women, and it is forbidden for either party to force the other, and no organization or individual may interfere.

Article 1047 The age of marriage shall not be earlier than 22 for men and 20 for women.

1048th lineal blood relatives or collateral blood relatives within three generations are prohibited from getting married.

Article 1049 If both men and women want to get married, they should apply for marriage registration in person at the marriage registration office. Those who meet the requirements of this law shall be registered and issued a marriage certificate. The marriage relationship is established when the marriage registration is completed. Those who have not registered for marriage shall re-register.

Article 1050: After a registered marriage, a woman can become a member of the man's family and a man can become a member of the woman's family according to the agreement of both men and women.

Article 105 1 The marriage is invalid in any of the following circumstances:

(1) Bigamy;

(2) Having a family relationship that prohibits marriage;

(three) did not reach the legal age for marriage.