Buying a house with a loan requires credit reports from both spouses. Usually a post-marriage loan to buy a house is applied for as a family unit, so the credit report of both husband and wife will be required. And it should be noted that if one spouse has a bad credit record, it may affect the mortgage application.

Should I check the credit score myself or the bank for a mortgage loan?

For a mortgage loan, the borrower first needs to check the credit score himself, and then the bank will check the credit score. The purpose of checking your own credit report is to print a credit report and submit it to the bank. This requires you to go to the local credit report office of the People's Bank of China with the original and copy of your ID card to check and print it. After printing it out, you can combine it with other information. Submit to the bank.

However, this does not mean that if you have checked your credit report, the bank will not check it again. After all, the paper version of the credit report submitted by the borrower is to review the information in advance and file it with the bank. The bank will pass it. After the initial review, a one-time credit check will be conducted before the loan is issued. This is a different concept from checking the credit report ourselves.

The borrower’s own credit check will not affect the credit record, but the bank’s check is different. The bank’s credit check will be based on the reason for mortgage approval, and will leave “ "Loan Approval" inquiry records are hard inquiry records. Too many inquiries in a short period of time will cause trouble in the credit report. The credit information agency will think that the borrower is short of funds and has insufficient repayment ability.

Finally, I would like to remind you that, apart from the fact that I have the right to check my credit, other institutions need to apply for authorization to check my credit. If I check my credit without my authorization, I can apply to the central bank. If the Credit Information Center raises an objection and requests to revoke the inquiry record, you must pay attention to this.