"Real estate mortgage loans need to be signed by both husband and wife. Does your wife agree? "

It is true that many loans do not require your spouse's knowledge and signature. But every lender will ask about the basic situation of the spouse, and whether the spouse can know about the loan.

If the client is a man, when the financial advisor asks this question, the client will always hesitate for a moment.

This moment of hesitation, the account manager instantly understood the meaning: the wife is not convenient to know!

Female customers don't have this problem in most cases, and they can basically let their husbands know.

Why, after all, most men try their best to hide their spouses from their wives when applying for loans? According to my experience, I summarize it as the following four points:

0 1

Afraid of your spouse's worries

This kind of customers account for a large part, and most of them are business owners or startups. The wife of a client is usually a full-time wife or a civilian who works in a fixed unit.

In order not to affect the normal quality of family life and increase the family burden, customers will not use the family reserve and choose to apply for loans. Such people have a strong sense of family responsibility and don't want to add economic and psychological burden to their wives. So choose one person to resist all.

This kind of customers are planned, and the funds are also used for business turnover, which generally won't last long. The author believes that the spouse of such customers is actually the easiest to assist in the loan. Because money is used in the right direction, men are responsible and women will be more supportive!

02

Fear of opposition from your spouse

Men, whether wage earners or businessmen, will strive to make their families and lives better and better.

In the case of insufficient economy, we have the idea of "borrowing chickens to lay eggs"-applying for loans, making more investments or expanding operations.

Men are naturally more gambling, and women are naturally more rational. Without fully determining the return on investment, most women disapprove of using loans to invest and expand their business.

Do it if you have the ability and economy. Applying for a loan to invest in expanding business is relatively risky. After all, there is no absolute risk-free investment.

You can't blame a woman for not taking risks. In order to prevent the loan from increasing the family's burden and take care of the family's future life, the woman often chooses not to agree with this practice.

03

The purpose of the loan is unknown.

If you insist on applying for a loan without communicating with your spouse, it will inevitably make people wonder where the loan will eventually be used.

Some young customers have bad consumption habits, low income and high consumption. Accumulate for a long time, owe money to friends, or borrow money from relatives. Relatives and friends urged money, so they had to choose loans, which the average wife didn't know.

Some customers lost a lot because of a game of cards, so they couldn't let their families know and chose a loan.

In order to solve the urgent needs of friends, some customers have to choose loans quietly because their wives don't agree.

Some customers struggle to avoid their spouses and family members, but they are accompanied by beautiful women such as "secretaries" and "accountants". In this case, we have to suspect that the purpose of the loan is for the "small family".

04

Men's self-esteem

The purpose of the loan is clear, and I have a deep understanding of the loan products and lending institutions. Why do men still choose not to communicate with their spouses and insist on concealing loans?

Everyone has self-esteem, especially men, and self-esteem is the most sensitive.

For boys, more ideological education has been instilled since childhood, that is, "boys don't flick when they have tears" and "don't shed tears when they bleed".

A man's appearance is always strong, even if he encounters great difficulties, he often won't ask for help easily.

They want to be alone, support the family with their arms that may not be strong enough, and don't want to worry their spouses.

They try their best to hide the loan, and at the same time they will try their best to deal with the possible burden of the loan.

When the loan is used properly, no matter what causes men to choose to hide the loan, both husband and wife are urged to communicate well after the loan.

If a man borrows money for an improper purpose, or for a "small family", as a spouse, what will you choose to do if you know?