First of all, answer directly.

If the borrower applies for a mortgage loan, as long as the borrower is married, the bank needs to check the credit information of the borrower and his spouse, regardless of the ownership of the house.

Second, the specific analysis

If the business loan applied by the borrower is a credit loan, some banks may not inquire about the credit information of the borrower's spouse.

If it is a small loan product without any guarantee, most financial institutions will not inquire about the spouse's credit information.

If the borrower's spouse's credit information is not very good, or even has overdue credit stains, it may also affect the borrower's loan approval.

Because going to the bank to apply for a loan after marriage is generally based on the family, the overall debt ratio of the family should not be too high.

Just check in: Beijian. Click "Query" and enter information to query your own credit data, including personal credit status, Internet black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

Third, will the bank disclose the spouse's online loan situation?

In principle, loan application records and repayment records belong to personal privacy.

Without the consent of the borrower, the bank shall not disclose the borrower's credit information to others.

Even the borrower's spouse is not allowed.

However, if the borrower's spouse applies for too many online loan records, the bank will also remind the family that the credit situation is not very good. It is recommended to wait a while before applying.

2. Can a couple of Postal Savings Banks borrow unilaterally?

Of course. After marriage, one of them can also borrow money in his own name. For example, many consumer loans only require us to provide personal information. If our credit is good and we have the basic repayment ability, then we can pass the audit. In this case, we can usually borrow money smoothly, which has no effect on one spouse.

However, the easiest loan to get after marriage is mortgage. Buying a house after marriage is usually regarded as the joint property of husband and wife, which has nothing to do with the name on the real estate license. Therefore, in this case, mortgage is different from other ordinary credit loans, and it requires both husband and wife's credit report, bank flow, work certificate, income and assets certificate, etc. Moreover, if one party has credit problems, it will also affect the approval of loans.

Therefore, in addition to loans involving the same property such as houses, one spouse can also borrow separately, mainly small credit loans. If it is a loan that requires information from both parties, it is best for both husband and wife to be present at the same time.

Third, does a husband and wife need to show the credit information of the other party when borrowing money?

It is still possible to take the party with good credit as the borrower. But after the loan, you need to repay it on time, otherwise both of them have poor credit information, so you can't get a loan.

Fourth, do couples need the credit of both parties for unilateral loans?

Yes, applying for a loan will check the credit information of both husband and wife. The property acquired during the marriage relationship belongs to both spouses, so the debts incurred during this period are also borne by both spouses. During the continuation of the marriage relationship, if either spouse applies for a loan, the bank will consider the credit records of both spouses.

Extended data:

Credit investigation includes personal investigation and of course government investigation, but it can be ignored.

An enterprise credit survey refers to a comprehensive evaluation of its credit capacity (mainly its debt-paying ability and degree) on the basis of analysis and research on enterprises, bond issuers, records, operating level and financial factors. Formally, enterprise credit investigation is a comprehensive analysis and measurement of performance ability and its reputation, and it is an indispensable intermediary service in the market economy system.

Personal credit reporting refers to the personal credit information inquiry and appraiser's credit report provided by a legally established personal credit reporting agency according to the requirements of users. It is a personal credit history record collected by credit reporting agencies and finally provided to legal information inquirers according to law.

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, personal credit and regulating one's own credit have all gone through the verification mechanism of personal credit investigation.

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards. Credit reporting agencies or credit reporting agencies shall, in accordance with the provisions of the supervision and administration department of the State Council credit reporting industry, reply the processing results to the objector in writing within 20 days from the date of receiving the relevant information objection.

After verification, it is confirmed that there are errors or omissions in the relevant information, and the information provider and credit reporting agency should omit them, and the objection sign shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.