Legal analysis: the loan to buy a house or a car after marriage is obtained during the marriage relationship, so it is generally owned by both husband and wife, and the mortgage is naturally related to the other party. Even if only one party applies, the bank will consider the repayment ability of the family, and the spouse's personal credit report is estimated to be inquired. If one party has a bad credit record, it may also affect the loan approval. What you apply for is a credit consumption loan, which generally has nothing to do with the other party. Banks mainly consider the borrower's own credit level, and the repayment is also borne by the borrower.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC) * * * The debts incurred by the husband and wife with the same signature or ratified by one of them afterwards, and the debts incurred by one of them in his own name for the daily life of the family during the marriage relationship, belong to the same debts of the husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.