First, the loan approval mainly focuses on the borrower himself.

When a bank or financial institution applies for a loan, it mainly evaluates the borrower's credit status, income and job stability. They are concerned about the borrower's repayment ability, that is, whether the borrower has the ability to repay the loan principal and interest on time. Therefore, other members of the household registration book will not be the main consideration for loan approval.

Second, the importance of guarantee or collateral.

In order to reduce the loan risk, banks or financial institutions usually require borrowers to provide collateral or collateral. The value of these collateral or collateral will serve as an important basis for loan issuance. As long as the collateral or collateral provided by the borrower has sufficient value and meets the requirements of banks or financial institutions, the loan can be obtained. The accounts of other members will not affect the value of collateral or collateral.

Third, the role of hukou in loans.

The household registration book is mainly used as one of the proof documents of the borrower's identity in the process of borrowing. Banks or financial institutions will verify the borrower's identity information through the household registration book to ensure that the borrower's identity is true and reliable. However, the information of other members in the household registration book will not have a direct impact on the loan approval.

Fourth, the responsibilities and loans of family members.

Although other members of the household registration book will not be jointly and severally liable for the borrower's loan, the possible economic relationship between family members may indirectly affect the borrower's repayment ability. For example, the borrower needs to bear family expenses or raise children, which may affect the borrower's repayment plan. Therefore, when applying for a loan, the borrower should fully consider his own economic situation and family responsibilities to ensure that the loan can be repaid on time.

To sum up:

Account book loans will not implicate everyone on the account book. Loan approval mainly focuses on the borrower's own credit status, repayment ability and the value of collateral or collateral provided. The household registration book is mainly used as one of the identification documents in the process of loan, and the information of other members above will not directly affect the loan approval. However, borrowers should fully consider their own economic situation and family responsibilities to ensure that they can repay on time.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 667 stipulates:

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

People's Republic of China (PRC) Civil Code

Article six hundred and eighty-one stipulates:

A surety contract is a contract in which the surety and the creditor agree that the surety will perform the debt or assume the responsibility when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.