Personal credit loans do not require the signature of the spouse. Personal credit loan is not a family unit, but a personal loan behavior. Car loans and mortgage loans are based on families. No matter who applies for a loan as the main lender after marriage, the bank or consumer finance will check the spouse's credit information and need the spouse's signature.

"Dida Term Loan Insurance" was launched by China Dida Insurance, aiming at helping more individual customers to easily obtain guaranteed insurance products with unsecured loans from financial institutions. China Dida Insurance is a national property insurance company approved by the State Council and established by China Insurance Regulatory Commission. It is the only property insurance company directly under the China Reinsurance Group Company.