So if your spouse's credit is seriously bad, then you can't borrow money to buy a house; If it is only overdue for several times, some banks agree to apply for loans, which is the default.
In addition to the loan is calculated on a household basis, so is buying a house.
No matter your husband's name or your name, as long as you have a house, even if you bought it before marriage, you should buy a house as a second suite. Commercial loans and provident fund loans are the same. 60% down payment for the provident fund second home loan and 70% commercial loan.
The personal credit information system was established by the People's Bank of China. If you want to know your credit history, you can take your ID card to the People's Bank of China where you live. In order to protect citizens' privacy, the People's Bank of China has taken five measures, namely, authorized inquiry, restricted use, information security, inquiry records and penalties for violations. Without the written authorization of citizens, no one can see the credit situation. Banks can only inquire about citizens' credit reports when handling loans, credit cards, guarantees and other businesses. If a bank inquires about citizens' personal credit information in violation of regulations, or uses the inquiry results for other purposes, it will be fined 1000 yuan to 30,000 yuan, and the suspected crime will be transferred to judicial organs.