Buying a house after marriage is a family unit. If the husband or wife applies for a mortgage loan, the spouse will act as a subprime lender. The loan will not only record the spouse's credit information at the meeting, but also the spouse must return the mortgage. It is to buy a house together before marriage, which involves pre-marital property issues and does not require a loan together. After marriage, the couple applying for a loan to buy a house is conducive to increasing the loan amount, because when calculating the loan amount, the bank will take into account the repayment ability of both parties.