The wife is borrowing money, and the husband can borrow money to buy a house. Although married people apply for a mortgage, the bank will not only review the borrower's personal information and credit information, but also review the borrower's spouse information and credit information. However, as long as the spouse's credit information is good, it will generally not affect the mortgage approval.

Therefore, as long as the wife pays attention to keeping a good record of borrowing and repayment when using the loan, develops a good habit of repayment on time, and has never been overdue, and the husband is prepared to have sufficient information when applying for a mortgage loan, and has a good personal credit, a stable source of income, the ability to repay on time, and all aspects meet the standards, then he can generally handle the mortgage loan smoothly.

Of course, if the wife applies for a loan and fails to repay it on time, which leads to overdue, it will affect the handling of the husband's mortgage loan. Once the bank examines the borrower's spouse's credit report and has a bad credit record, it is likely to refuse to approve the loan.

legal ground

Article 11 of the Interim Measures for the Administration of Personal Loans? Personal loan application shall meet the following conditions:

(a) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.