Because husband and wife apply for loans together, they need to sign. For example, when a couple applies for a mortgage, in the case of a primary lender and a secondary lender, the bank will require both parties to sign. Generally, the property and debts after marriage need to be shared by both husband and wife, and both parties need to sign the IOUs. If it is only a personal loan, the borrower can sign it himself without the presence of his spouse, such as a personal consumption loan.

In addition, if the funds applied by the borrower are used for family expenses, if the follow-up is not overdue, once the property is sued by the institution and the circumstances are serious, the spouse may also need to repay it together.

Will the husband and wife check the credit information when they buy a house loan?

After marriage, mortgage to buy a house needs to examine the credit information of both husband and wife.

When the bank approves the mortgage, if the husband and wife buy a house, the bank should not only check a person's credit record, but also check the spouse. Because when it comes to repayment, two people repay at the same time. Therefore, if one party has a credit problem, it will have an impact on the mortgage. Marital property refers to the existence of marital relationship.

If one spouse has a bad record:

1. One spouse's bad credit record will affect the other spouse's application for mortgage.

2. Borrowing a house in the name of husband and wife, even if the lender has a good credit record, if his spouse fails to repay many times, the bank will doubt the repayment ability and credit degree of the family, and will be more cautious when lending. If one of the husband and wife fails to repay the loan for three consecutive times or six times in two years, the bank will refuse to issue the loan.

3. The bank's requirements for the lender's credit investigation are: it can't be overdue at present, it can't be overdue twice within six months, it can't be overdue three times in a row within two years, and it can't be repaid on time for six times.

Solutions to bad records:

1. Bad records caused by personal reasons: an careless overdue record will not have much impact on you. You shouldn't leave a bad debt record. Pay attention to normal and good consumption habits in later life. A good credit record will cover up the previous bad record and eliminate the influence.

2. Bad records caused by the bank: If the account is overdue due to the late arrival of the bank account or system upgrade, you can contact the bank to apply for modifying the records and issue a non-malicious overdue certificate. After three months, the credit record can be modified. Please contact the bank staff for the specific operation process.