With the gradual strengthening of people's legal awareness, people will pay attention to many details in their daily lives. For example, if a husband and wife form a family and are no longer one person, handling credit business will have an impact on the other party. Mortgage and mortgage business often need to be signed by both husband and wife, so does microfinance need to be signed by both husband and wife? Let's take a look today.

1. Does the small loan need to be signed by both husband and wife?

Microfinance covers a wide range. Strictly speaking, microfinance refers to short-term loans, with a term of 1 year and a quota of less than 300,000, and unsecured pure credit loans.

But in reality, some long-term loans are also counted as small loans, and there are many channels for application, such as online banking, mobile APP, loan companies and so on. , you can apply for small loans.

After marriage, the income of husband and wife belongs to the same property, and the debts should be shared by the same person. So any loan should be known to both parties, but it doesn't have to be signed by both parties, such as credit card consumption and small loans, as long as it is for family expenses, as long as both parties know.

Second, does microfinance need to be shared by husband and wife?

According to the relevant laws and regulations of our country, there are two situations in which husband and wife are in the same debt:

1. When borrowing money, both husband and wife should sign it together. For example, a mortgage, both husband and wife often have to repay together, and both parties must be present to sign.

2. The loan is clearly used for family life or business activities.

Therefore, if one spouse applies for a small loan, which is not used for living together, the other spouse does not have to bear the debt, and can use consumption records, original vouchers and daily transactions as evidence.