You can borrow money. The bank's micro-credit loan does not need both husband and wife. The bank's personal credit loan amount is relatively small, and the bank review is relatively simple. Other bank loans, such as car loans, mortgage loans, mortgage loans, the loan amount is very large, and these loans involve great responsibilities, so the bank's audit is more strict and complicated. In this case, in order to reduce the loan risk and ensure the safety of funds, when the borrower applies for a large loan, the bank will turn to a third party for help.