Legal analysis: a person can write two names to apply for a loan. One or both parties can borrow money, and both parties are the same borrower. If the credit card of the loan applicant and his spouse is overdue, the loan application will not be accepted; In the two years before the lender applies for a loan, if either spouse is overdue for six consecutive periods or more, the loan will not be issued. The state-owned provident fund has raised the standard of using credit records. Loan applicants and their spouses who have outstanding overdue loans or overdue overdrafts of credit cards or quasi-credit cards will not accept loan applications.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.