I think this design is only a means of commercial service, and it can't explain whether the relationship between two people is strong or not. And as time goes by, we can't predict the future development direction.
As husband and wife, if they really have fixed assets under their names and need to borrow a certain loan from the bank, then the bank will generally require both parties to bear the debt with the consent of both parties. You don't need to use this way to test whether the other party really wants to share the trouble with yourself.
I don't want to choose this loan method because if I really share the debt, I am willing to help my family bear the debt together. If I don't have this ability, even if I choose this repayment method, I can't help my family.
For some couples with unstable relationships, if this repayment method is really tied up, it will be a direction for people with certain bad living habits to make their partners worse. We can't indulge some people, because with the help of our families, we will break our bottom line again and again, and we don't have to bear some debts ourselves. Carry this pot on your back.
Feel heart-to-heart loan. We should not only consider the economic and material living conditions of both parties, but also consider the sense of responsibility and emotional stability between family and partners.
This is actually a good way for partners who have the ability to bear debts, and it is actually a bundle for some partners who have neither the ability nor a stable relationship.