Husband and wife loans are divided into husband and wife personal loans and husband and wife loans. Usually loans need to be checked for credit information, and both husband and wife should sign a letter of authorization for credit information. In this case, both husband and wife should check the credit information. To apply for a personal loan, you don't need the signature of both husband and wife, just the signature of the lender himself. When applying for mortgage or car loan by family, even if both husband and wife don't submit the loan application, they must sign it. Because it is the joint responsibility of husband and wife to apply for a loan on a family basis, both parties must know the existence of this loan. When an individual applies for a loan, the spouse's bad credit information will not affect the result of the loan review, while when applying for a mortgage or car loan, as long as one party has bad credit information, it will directly lead to the failure of the review.

Loan conditions, both husband and wife have good credit, and neither of them has reached retirement age. To meet other conditions stipulated by the borrowing bank, it is also necessary to provide materials required by the bank, including but not limited to: husband and wife's identity documents, residence certificates, marriage certificates, income and assets certificates.

Letter of credit inquiry authorization usually means that banks and lending institutions need to inquire about the borrower's personal credit information when handling mortgage and consumer loans, but personal credit information belongs to private information and can only be inquired with my authorization, so the letter of credit inquiry authorization is my authorization document.

Problems needing attention in loan 1. It is not appropriate to apply for the maximum loan amount when applying for a loan for the first time. You can try to apply for a part first.

2. Fill in the loan information as completely as possible without false information.

3. The phone number of the contact person must be carefully filled in, because the lending institution may call the phone number of the contact person for review.

4. Keep the mobile phone open during the loan application.

legal ground

Article 3 of the Supreme People's Court's Interpretation on Relevant Issues Concerning the Application of Laws in the Trial of Husband and Wife Debt Disputes stipulates that during the marriage relationship, if the debt of one spouse exceeds the daily needs of the family in his own name, the people's court will not support the creditor's claim on the grounds that it belongs to the same debt of husband and wife, except that the creditor can prove that the debt is used for the life of husband and wife, production and operation of husband and wife, or based on the same meaning of both husband and wife.