The person in charge of relevant departments of Guangdong Development Bank Foshan Branch said that the husband's bad credit record will really affect the spouse's application for a loan. According to the relevant provisions of the Marriage Law, in principle, the debts established by the husband or wife before marriage are personal debts, which are repaid within the limits of personal property; The debts established during the marriage relationship are joint debts of the husband and wife, and the husband and wife have property to repay.

During the marriage, the bank loan is the same debt for the husband and wife, and the property belongs to the husband and wife. If the husband's credit record is not good, it shows that the husband's sense of repayment is not strong. In addition to the source of repayment, the bank also took a fancy to the customer's willingness to repay. If banks issue loans to such customers, they will bear the risk of non-performing loans.

Because in the event of bad debts, banks have to recover loans from both husband and wife at the same time. Therefore, the husband's bad credit will directly affect his wife's loan. The debts owed by one party in the name of marriage shall, in principle, be recognized as joint debts of husband and wife, which shall be jointly repaid by both husband and wife.

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The relevant departments of Foshan Branch of Guangfa Bank said that once there is a problem with the personal credit record, it will affect the spouse's loan application for at least five years. The current credit record is kept for 5 years. During this period, the parties concerned should pay off their debts, and no overdue records can be added. Otherwise, it will be postponed from the time when the last bad record occurred, and it is necessary to avoid the occurrence of new negative records.

Banking industry insiders said that customers can go to the local people's bank to check their credit reports to find out whether their credit records are good or not, and whether others can check their credit records at will. Unless the bank's system failure or other banks' own reasons lead to poor customer credit reporting, if the customer's own reasons lead to poor credit reporting, the records cannot be eliminated.

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