1, the husband gets a loan from the bank, and the wife can be the guarantor. Article 7 of the Guarantee Law stipulates that legal persons, other organizations or citizens who have the ability to pay off debts on their behalf may act as guarantors. 2. There is no relationship between husband and wife without guarantee in the Guarantee Law. 3. The husband's loan belongs to the joint debt of husband and wife and should be repaid with the joint property of husband and wife. So it is generally believed that the guarantee between husband and wife is of little significance. However, the wife guarantees joint and several liability, can recover personal property, and can also evade debts through divorce.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.

Second, why is the husband's loan wife the guarantor?

You are not a guarantor, but a repayment partner. Married is a family, both inside and outside the financial department. Therefore, as long as the husband and wife sign the loan, it can also be understood that the repayment ability is relatively large, and the banking industry is afraid that one person can't afford it.

When I am not married, I must have a guarantor. I'm afraid I can't pay it back. Now that I'm married, both husband and wife will do.

Third, buy a house after marriage. Loan in my name. But my wife wants to put their names on the property certificate. Is it okay?

Yes, you can. Even without his name, the property after marriage is also the property of husband and wife.

4. During the marriage, the husband and wife jointly borrow money, with the husband as the lender and the wife as the guarantor, and divorce. ...

You can mortgage or take credit loans, but credit loans are very risky, so generally others will not give you loans and ask you to take fixed assets or a patent as collateral.