Since the property of husband and wife is jointly owned, the loan needs to be proved by both husband and wife. If it is a husband-and-wife relationship, both parties should sign it.

Second, do you need credit information from both husband and wife to buy a house loan?

Look at them. When a husband and wife borrow money to buy a house, the bank will check the credit information of both husband and wife. If the credit problem of one spouse is serious, such as three or six consecutive overdue loans within two years, the bank will refuse the loan. Even if only one spouse applies for a loan, the bank will review the credit information of both spouses. If one spouse's credit is overdue, it will also have an impact on the loan. The loan is based on the family, and both parties should pay attention to maintaining a good credit report.

Third, do you need to look at the husband and wife's credit information when you buy a house with a loan?

Couples who borrow money to buy a house in their own name will check the credit records of both parties.

If a married person borrows money to buy a house, and one of the husband and wife has a bad credit record, the bank will refuse the loan.

Buying a house with a loan in the name of husband and wife, even if the lender has a good credit record, if his spouse fails to repay for many times, the bank will doubt the repayment ability and credit degree of the family, and will be more cautious when lending. If one of the husband and wife fails to repay the loan for three consecutive times or six times in two years, the bank will refuse to issue the loan.

Bank personal lenders remind everyone that the investigation of lenders' credit records is based on families. If either spouse has more than six overdue repayment records and the other spouse has a good credit record, the house purchase loan will also be rejected.

According to the provisions of the Marriage Law, the property acquired during the marriage relationship belongs to both spouses, and the debts incurred are borne by both spouses. Husband and wife are legally an economic entity. Commercial banks should also review the credit status of loan applicants and their spouses when examining personal credit status to decide whether to grant loans. Therefore, the good credit of a family also needs to be maintained by both husband and wife.

Special reminder:

The personal credit information system was established by the People's Bank of China. If you want to know your credit history, you can take your ID card to the People's Bank of China where you live.

In order to protect users' privacy, the People's Bank of China has taken five measures: authorizing inquiry, restricting use, information security, inquiring records and punishing violations.

No one can see the credit status without the written authorization of the user.

When handling loans, credit cards, guarantees and other businesses, banks can only inquire about users' credit reports. If a bank inquires about citizens' personal credit information in violation of regulations, or uses the inquiry results for other purposes, it will be fined 1000 yuan to 30,000 yuan, and the suspected crime will be transferred to judicial organs.

So we must cherish our personal credit and avoid unnecessary troubles in the future.

Four, housing bank loans need to review the credit report of both husband and wife?

If a married person applies for a loan, the bank will review your and your spouse's credit history when reviewing the loan. If your spouse fails to repay many times, even if the lender borrows money to buy a house in the name of husband and wife, even if the lender has a good credit record, the bank will doubt the repayment ability and credit degree of the family and be more cautious when lending.