As long as they have good credit, a fixed income and meet the requirements, both husband and wife can apply for a credit loan from the bank at the same time. Credit loan refers to a loan issued on the credit of the borrower, and the borrower does not need to provide guarantee. The process of credit loan is as follows: 1. The borrower shall submit the following materials to the bank: (1) loan application approval form; (2) my valid identity certificate and a copy; (3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months); (4) proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. ); (5) Effective contact information and telephone number; (6) Personal settlement account voucher opened in China Industrial and Commercial Bank; (7) Other information required by the bank. 2. After the application materials submitted by the borrower are approved by the bank, both parties sign the loan contract. 3. The bank issues loans to borrowers through transfer. In a bank loan contract, if the borrower is only yourself, your lover has no obligation to sign the contract because he is not a party to the contract. If the bank asks you to do this, it means that you are all borrowers. Once you can't repay the interest due, the bank can claim the liability for breach of contract from you and ask you to repay the principal and interest. But originally, the bank could only let you repay the principal and interest yourself.