If you buy a house after marriage, the bank will check the credit information of both husband and wife. Although you are the main repayment party of the loan, the bank will definitely check your husband's credit information, but the house is the debt of both husband and wife, and your husband is one of the repayment parties of the loan. If there is something wrong with your husband's credit, the bank will not agree to the loan.
To buy a house before marriage, the bank will ask you to submit a single certificate (just go to the Civil Affairs Bureau to get one) and a certificate for the first suite (just go to the housing management department to get one), and the first suite will have a preferential interest rate, plus your excellent credit history, which should be no problem.
At the same time, the bank also needs to issue your salary income certificate, salary flow, work certificate and so on.
If you divorce before buying a house, this is ok, but according to the national property market regulation policy, you divorce at this stall before buying a house, and it is recorded in the household registration book. The bank will consider it and may reject your loan application.
Six people think love is not good, but unlike those who have been poor together, my personal opinion is that the money owed to the bank should be changed quickly, so that the problem can be solved. If you keep a good record for five years, your boyfriend's credit stain will naturally disappear, and there is no problem with credit reporting. If this problem is not solved, it is likely to cause great trouble in future life.
Nowadays, many good primary schools, kindergartens, middle schools and universities require students to submit their parents' credit reports. For parents with bad credit reports, the school has the right not to admit students, which will harm their children and grandchildren.