Legal analysis: 1, the housing loan is handled by the family, and the husband and wife are the same borrower. If one party has a credit record problem, the bank will not accept the loan application, and the party with the problem needs to pay off the arrears and pay the late fee. After completing the formalities, the banking system will automatically clean up the bad records five years later, and then you can apply for loans. 2, the husband and wife have a blacklist of loans, so after the divorce, the party with a good credit record can borrow money, which is generally not recommended, and there will be many unnecessary disputes in the follow-up. 3.* * * Co-repayment refers to the second repayment when the borrower is unable to repay the principal and interest of the bank, and it is one of the main debtors with only debts but no rights. Without legal proceedings, when the borrower is unable to repay the bank debt, it can directly ask * * * and the borrower to fulfill the obligation to repay the borrower's bank debt. The general * * * co-payer thinks that the borrower's repayment ability is insufficient, and there is a possibility that he can't repay in full and on time, and asks the borrower to find a * * * co-payer. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.