How to check how much debt your husband owes

Legal analysis: use your ID card to check your personal credit report.

All banks will be personal loans, credit cards, guarantees and other indebtedness information are transmitted to the credit system of the People's Bank of China. The credit report includes basic personal information, credit information (whether there is a bank loan, whether there is overdue, credit card overdraft records, etc.), non-banking information (water, electricity, gas and other utility bill payment information, tax arrears, civil judgments, etc.).

Individuals with their own valid ID original and a copy of the query outlets to fill out the "personal credit report in person query application form" after the submission of the query application, the number of times an individual query for the year more than 3 times and above, the staff will inform the individual need to pay the query service fee, the individual to voluntarily decide whether to pay the fee query. The fee will be paid in cash at the initial stage and will be gradually increased as necessary.

Legal basis: "Chinese People's *** and National Code"

Article 1,064 Debts incurred by both husband and wife *** with the same signature or by one of the husband and wife with the subsequent recognition of the meaning of *** together, as well as debts incurred by one of the husband and wife in the name of an individual for the daily needs of the family during the period of the marriage are debts incurred by the husband and wife *** together. Debts incurred by one of the spouses in his or her personal name during the marriage that exceed the needs of the family in daily life are not ****consensual debts; however, unless the creditor is able to prove that the debt is used for the couple's ****consensual life, ****consensual production and management, or is based on the ****consensual expression of the spouses' intent.

Article 165 A man and a woman may agree that the property acquired during marriage and the pre-marital property shall be owned by each of them, or owned by both of them *** together, or partly owned by each of them, or partly owned by both of them *** together.

Article 1089 In case of divorce, the debts of the husband and wife **** together shall be **** together repaid. If the *** joint property is insufficient to settle or the property is owned by each of them, it shall be settled by agreement between the two parties; if the agreement fails, it shall be adjudicated by the people's court.

How can I check my husband's loan at the bank?

You can take your husband's ID card to the bank to check the relevant information, but in fact you can query through the following methods:

To check your husband's loan record, you can see if the other phone has downloaded the loan APP, if so, you can click in to see the specific loan situation; you can also look at each other in the text message to see if there is no receipt of loan The company's website has been updated with the latest information about the company's business.

In addition to this, if you know your husband's credit card login password, you can log on to the official website of the People's Bank of China Credit Center on your computer, enter your ID number and login password to log on to the Internet personal credit information service platform to query your credit report to see if there is any record of loan information in the report, and similarly if you know the big data query password, you can also click in to view the specific loan situation. If you know the password of the big data query, you can also query the big data of the other party. However, you need to be careful when checking each other's credit, you need to get each other's approval, and you can't invade other people's privacy at will.

When checking for loans, you should also pay attention to whether there is a record of guaranteed loans, do the guarantor also need to bear some risk, if it is a joint liability guarantee, the borrower late repayment, the guarantor also need to bear the responsibility of repayment.

How to check your boyfriend's credit and arrears?

1. Log on to the official website of the People's Bank of China Credit Center on your computer browser, enter the Internet credit information service platform, and query their credit reports, general loans will leave a corresponding record on the credit, including the specific time of the loan, the amount of the loan, the amount of the repayment, the amount of the remaining outstanding and so on.

2. Log on to your boyfriend's credit card's bank's Internet banking/mobile phone banking, and check the repayment details on your personal account page to see how much you owe.

3. Check your boyfriend's e-mail address to see if he has received any repayment notices or e-bills from his bank or other consumer financial institutions, and if he has, the contents generally include the amount of money he owes.

4. Look through the text messages on your boyfriend's cell phone to see if there are any reminders from banks and various lending institutions and platforms, which should contain information about the amount of money due, the repayment period, and so on.

Authorization is required to check another person's credit, and logging in to another person's online/mobile banking also requires the person's login account name and password.

To check credit card delinquency records, customers can log on to the official website of the issuing bank, enter online banking, find the credit card to be checked in the personal account page, and check the bill payment details. Of course, logging into the mobile banking client or credit card app to check is also fine.

In addition to this, customers can also directly call the issuing bank's hotline to consult customer service personnel. If you live near an issuing bank, you can also bring your ID and credit card to the branch counter and ask the staff to help you check

How to check your husband's name for all the debts

You can ask your husband to bring his ID and go to the bank to check.

You can also let your husband check the official website of the People's Bank of China Credit Center. After logging on to the official website, the husband with his identity information, and then enter the Internet credit information service platform, query personal credit report.

After the new version of the credit report is launched, the user's personal credit record within five years can be viewed, including the specific time of the loan, the amount of the loan, the amount of repayment, the amount of money remaining to be repaid and so on.

People's Bank of China credit center is a legal entity directly under the People's Bank of China, the main task is based on national laws and regulations and the People's Bank of China's rules and regulations, uniformly responsible for the enterprise and personal credit system (also known as the basic database of enterprise and personal credit information) construction, operation and management.

Main Duties

1. It is responsible for formulating the overall development plan for the construction of the enterprise and individual credit collection system and organizing its implementation.

2. It is responsible for formulating the management system for the operation and maintenance of the enterprise and personal credit system.

3. It is responsible for formulating the business and technical standards of the enterprise and individual credit system.

4. It is responsible for the construction, operation and maintenance of the enterprise and individual credit system.

5. It is responsible for organizing business and technical coordination with commercial banks and related parties to collect credit information of enterprises and individuals.

6. It is responsible for summarizing and analyzing the data and information in the enterprise and individual credit system, and submitting timely analysis reports.

7. It is responsible for providing consulting services on credit information of enterprises and individuals to commercial banks and related parties.

8. It is responsible for organizing the handling of disputes in the operation of the enterprise and individual credit collection system.

9. It is responsible for organizing the training of commercial banks and related parties in the knowledge of credit collection business.

10. It is responsible for the construction, operation and management of the accounts receivable pledge registration and publicity system.

11. It is responsible for the construction, operation and management of the financial leasing registration and publicity system.

12, undertake other matters assigned by the bank leaders.

Construction background

With the deepening of economic marketization, accelerating the construction of enterprise and personal credit system has become a social **** knowledge. The report of the 16th National Congress of the CPC clearly puts forward the need to "improve the social credit system of the modern market economy",

The Third Plenary Session of the 16th Central Committee of the CPC explicitly puts forward the need to "accelerate the construction of the enterprise and personal credit service system in accordance with the direction of perfecting the laws and regulations, franchising, commercial operation, and professional services. "

The National Financial Work Conference held in 2007 further proposed to focus on the construction of the credit system and comprehensively promote the construction of the social credit system. In order to further play the role of the PBoC in the construction of the social credit system, the State Council adjusted the function of the PBoC to "manage the credit collection industry and promote the establishment of a social credit system" in 2008.

In compliance with the instructions of the CPC Central Committee and the State Council, the PBoC has accelerated the construction of the enterprise and individual credit collection system. After several years of efforts, the national unified basic database of enterprise and personal credit information led by the People's Bank has been initially completed, and has begun to play an active role in the economy and society.