My wife is an employee of a central enterprise, and my husband’s credit certificate is not good, so he cannot apply for a mortgage loan. According to the query of relevant information, if one spouse has a bad credit report, he or she is generally not able to get a loan to buy a house. Now banks review applicants for loans based on the family unit, and will check the credit reports of both parties, not just one party. If you get married, no matter whether the main loan is for one person or for two people, the bank will eventually require the personal credit report of both parties. If one party's credit report is not good in the report, it will be the result of loan rejection.