Legal analysis: a married party can get a separate loan, but although it is said that it can get a separate loan. Because you are married, the bank will check the credit of your husband and wife when you borrow money. If your husband and wife's credit is not up to standard, or one of them fails to repay many times, the bank will doubt your family's repayment ability and the credit level of your. If it meets the bank's standards, the bank may refuse to lend.

Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide true information about the business activities and financial status related to the loan according to the requirements of the lender.