A bank credit loan needs two people, because the borrower is married. When a borrower applies for a loan in a bank after marriage, he can only take his family as the unit, and needs to provide himself and his spouse with relevant information such as credit report and salary flow. If the lender asks the borrower to provide a guarantor, it means that the lender feels that the borrower is at risk, and the personal comprehensive evaluation score is not very high, and the guarantor is needed to provide a guarantee for the borrower. In the husband-and-wife loan, the bad credit of either spouse will affect the loan result.