1. If the husband borrows money in his own name, such as applying for a personal credit loan, the bank will only inquire about his personal credit status, economic income level, repayment ability and liabilities. , also won't check his wife's bank deposit.

2. If you apply for a loan in the name of a family, such as applying for a mortgage, then the husband is the main lender and the wife is the borrower, and the bank deposit in that name will naturally be inquired by the bank, because the bank needs to know the borrower's family income and find out the family's repayment ability, and then decide whether to approve the loan.

The simple and popular understanding of loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.