1, one of the husband and wife is on the list of untrustworthy people. At this time, if the other party wants to borrow money to buy a house or a car together, the bank loan will not be approved;
2. One spouse has obtained a loan from the bank. At this time, if the other spouse still wants to buy a house or a car and asks the bank for a loan, the bank may not lend.
The above is the related content that one spouse has borrowed money and the other spouse can borrow money.
Should one spouse borrow money and the other spouse repay it after divorce?
Whether a husband and wife should repay by borrowing money after divorce is divided into unilateral personal debt or joint debt. If it is a personal debt, it will be repaid by the individual, but there are some restrictions:
1. Debt needs are the foreign debts owed by the original husband and wife, and their partners and children don't know or agree, let alone borrow money together;
2. The money received is to meet personal needs, not family expenses;
3, even if it is used by individuals alone, it needs to be supported by sufficient direct evidence.
If it is a joint debt of husband and wife, it needs to be repaid by one party or the other party according to the promise of the original husband and wife:
1. If no commitment is made when signing the divorce agreement with the other party, the debt will be shared by both parties;
2. If a promise is made when the divorce agreement is signed, there is a promise of repayment by the promisor.
Procedures for husband and wife applicants to borrow money to buy a house
1. 3 copies of the applicant's and the other half's ID card, the original household registration book and the copy of the ID card (if the applicant and the other half do not belong to the same household registration, proof of husband-wife relationship must be attached);
2. The original purchase agreement;
3. 20% of the house payment or one original and one copy of the deposit receipt;
4. Proof of the applicant's annual family income and relevant funds, including payroll, personal enterprise income tax certificate, wage income certificate issued by the department, bank deposit certificate, etc. ;
5. Real estate developer's collection account.
General procedure for one spouse to buy a house by loan.
1. Husband and wife's ID card and household registration book/foreigners need temporary residence permit and household registration book;
2. Marriage certificate/divorce certificate or divorce judgment/single certificate;
3. Personal income certificate (specific file format of the bank);
4. A copy of the business license of the subordinate unit (with official seal);
5. Bank credit certificate: including education certificate, other real estate, bank running water, large deposits, etc.
This article mainly talks about the knowledge that one spouse can borrow money and the other spouse can still borrow money. The content is for reference only.