During the marriage, the husband and wife borrow money from the bank, which is the same debt, and the property is also owned by the husband and wife. In principle, the debts established by one of the spouses before marriage are personal debts, and the repayment is limited to personal property; The debts established during the marriage relationship are joint debts of the husband and wife, and the husband and wife have property to repay.

A husband's bad credit record will really affect his spouse's application for a loan to buy a house.

Extended data

Bad credit records can affect spouses and children.

Case:

1. In a commercial bank in Foshan, there is a customer's own credit blank, no credit card and no loan record. I want to apply for a loan in this bank. However, his spouse had a farmer's loan two years ago. Because he didn't know the repayment date, there were many bad records in the credit report. Similarly, because of the influence of the spouse, the customer failed to apply for a loan at the bank.

2. There is a 25-year-old man who has just come out to work and intends to buy a property of a developer in Nanhai District. The young man's personal credit is good, but because the monthly income can't cover the monthly repayment amount, he needs to add his parents as * * * borrowers.

In the process of applying for a loan, the bank found that the credit information of the young man's parents showed that both sides had a consumer loan, which was overdue for 7 months in the past two years, and the amount exceeded 20,000 yuan, which was seriously overdue. Because of parents' bad credit records, the loan application could not pass the examination.

Phoenix. Com- Husband's credit card is overdue, and his wife's application for mortgage is "rejected"