Unilateral loans overdue will not affect the other party's credit report. But it has an impact on the other party's loan application. If one party is seriously overdue, it is impossible to apply for a loan, which requires the credit information and qualifications of both husband and wife. Buying a house with a loan in the name of husband and wife, even if the person's credit record is good, if his spouse fails to repay for many times, the bank will doubt the repayment ability and credit degree of the family, and will be more cautious when lending. If one of the husband and wife fails to repay the loan for three consecutive times or six times in two years, the bank will refuse to issue the loan. "

Materials to be prepared for the loan:

1, ID cards of both husband and wife of the borrower;

2. The borrower's household registration requires a temporary residence permit and a household registration book;

3. Marriage certificate, divorce certificate or single certificate of court judgment;

4. proof of income;

5. Academic certificate;

6, the bank is flowing;

7. Other attributes;

8. Copy of the business license of the unit (with official seal);

9. certificates of deposit, etc. ;

10. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements;

1 1. Other information required by the bank.

Solutions to credit problems:

Loans overdue needs to maintain the behavior of not being located for five years, and the overdue records will be automatically eliminated after five years. After loans overdue's influence on credit investigation, as long as it pays off its debts and waits for five years, it can resume credit investigation. According to the Regulations on the Administration of Credit Information Industry, credit information agencies have a fixed retention period for personal bad information, specifically: 5 years from the date of termination of bad behavior or events, and if it exceeds 5 years, it should be deleted. That is to say, after loans overdue, the bad credit record will be deleted within five years from the date of repayment, but the credit will not be resumed if the repayment is not made.

Legal basis:

Article 1064 of the Civil Code of People's Republic of China (PRC) (hereinafter referred to as "Civil Code") states that joint debts of husband and wife: debts jointly signed by husband and wife or ratified by one of them afterwards, and debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship belong to joint debts of husband and wife.

Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.