Husband and wife * * * have a loan, who applies for a loan, then one party is the main lender, and the other party naturally becomes a lender. There won't be two main lenders for the same loan, so the one with stronger repayment ability between husband and wife will generally be the main lender. When the first lender is unable to repay, the second lender will repay. In loans overdue, the credit information of both the primary lender and the secondary lender will show overdue, so it will have an impact on the credit information of both husband and wife when applying for a loan.