1. From the financial point of view, yes. Buying a car with a loan only depends on your credit and mortgage, and has nothing to do with the relationship between husband and wife. Banks don't care about your family life, only care about whether there is mortgage and credit guarantee for repayment.

2. If you or your lover has a bad credit record, you can let the party without a bad record be the borrower.

3. If there is no repeated credit investigation for two years, it cannot be called bad credit investigation.

4. As long as the credit card is not triple-linked, 10 is no problem, as long as it is not malicious overdraft.

At present, some loan companies read credit information very loosely. As long as you have a clear source of repayment, there will be no problem.

Second, if one spouse borrows money, can the other spouse borrow it?

Under normal circumstances, the loan of one spouse will not affect the loan of the other. However, there are several special cases:

1, one of the husband and wife is on the list of untrustworthy people. At this time, if the other party wants to borrow money to buy a house or a car together, the bank loan will not be approved;

2. One spouse has obtained a loan from the bank. At this time, if the other spouse still wants to buy a house or a car and asks the bank for a loan, the bank may not lend money.

The above is the relevant content that one spouse has borrowed money and the other spouse can still borrow money.

Should one spouse borrow money and the other spouse repay it after divorce?

Is it unilateral personal debt or * * * debt that one spouse needs to pay after divorce? If it is a personal debt, it will be repaid by the individual, but there are some restrictions:

1. Debt needs are the foreign debts owed by the original husband and wife, and their partners and children don't know or agree, let alone borrow money together;

2. The money received is to meet personal needs, not family expenses;

3, even if it is used by individuals alone, it needs to be supported by sufficient direct evidence.

If the husband and wife have joint debts, one party or the other party needs to repay them jointly according to the original agreement of the husband and wife:

1. If both parties do not make any promises when signing the divorce agreement, the debt will be shared by two people.

2. If a promise is made when signing a divorce agreement, the promised party will repay it.

Procedures for one spouse to apply for a loan to buy a house

1. 3 copies of the applicant's and the other half's ID card, the original household registration book and the copy of the ID card (if the applicant and the other half are not in the same household registration, proof of husband-wife relationship must be attached);

2. The original purchase agreement;

3. 20% of the house price or one original and one copy of the deposit receipt;

4. Proof of the applicant's annual family income and relevant funds, including payroll, personal enterprise income tax certificate, wage income certificate issued by the department, bank deposit certificate, etc. ;

5. Real estate developer's collection account.

Both husband and wife need to go through the same formalities when they borrow money to buy a house.

1. Husband and wife's ID cards and household registration books/foreigners need temporary residence permits and household registration books;

2. Marriage certificate/divorce certificate or divorce judgment/single certificate;

3. Personal income certificate (specific file format of the bank);

4. A copy of the business license of the subordinate unit (with official seal);

5. Bank credit certificate: including education certificate, other real estate, bank running water, large deposits, etc.

This paper mainly aims at the knowledge that one spouse can borrow money and the other spouse can borrow money. The content is for reference only.

3. Can the other party still borrow money to buy a car? Both husband and wife have loans?

1. From the financial point of view, yes. Buying a car with a loan only depends on your credit and mortgage, and it has nothing to do with you. You only care about whether there is mortgage and credit guarantee to repay the loan.

2. If you or your lover has a bad credit record, you can let the party without a bad record be the borrower.

3. If there is no repeated credit investigation for two years, it cannot be called bad credit investigation.

As long as the credit card is not connected, it is not malicious or overdraft.

5, the company sees that the credit information is very loose, as long as you

Four, just got a marriage certificate, to borrow money to buy a car, one party overdue! Can the other party borrow money?

If the car loan does not need to provide a marriage certificate, the following conditions and procedures need to be provided:

1, proof of salary income in recent 3 months.

2. Find a friend with real estate as a guarantee (no need to mortgage anything).

3. Open a residence certificate at the place of residence.

Choose the car you want to buy, and then borrow money from the dealer. There are generally two ways for dealer loans: bank loans and finance company loans. The interest rate of bank loans is low, but the approval is troublesome and difficult to pass; Finance companies have high loan interest rates, but the approval process is simple and the loan conditions are loose.

Then provide the lender's ID card, household registration book, salary certificate and bank card, as well as the guarantor's ID card, real estate license and income certificate.

The dealer is responsible for applying for a loan, and the lender will review the conditions for applying for a loan. Then, the dealer will be informed of the approval result.

After the dealer notifies the signing of the loan contract, it can be released to the owner.

After the vehicle is completed, the dealer will handle the mortgage formalities for the vehicle with the grade certificate (Great Green Paper).

At this point, the vehicle loan procedures have been completed. The bank/finance company can repay the loan on a monthly basis after notifying the lender.