When applying for a loan, the bank needs the lender to provide the marriage certificate and double marriage certificate of the lender and spouse among the required materials. If the spouse's credit information is not good, it will affect the borrower's loan approval. When either spouse has a bad record, is overdue for many times, or is overdue for more than three times in a row, the bank will refuse the borrower's loan application.
When borrowing money, you need to have a good credit report and repayment ability. The higher the economic capacity, the higher the probability of banks applying for loans and the higher the loan amount.
At present, the new version of credit information has been launched, and the original two-year credit information record has been extended to five years. This means that users must pay penalty interest and arrears after bad overdue behavior. From the date of paying off the arrears, the user's bad overdue records will be kept for five years, and the personal loan business will be affected. A few loan platforms do not need to provide spouse credit records, and banks generally need to inquire about spouse credit records when handling loan business.
Matters needing attention
When the bank handles the loan business, for married people, the bank will ask for the credit information of their spouses. The credit information of both husband and wife determines whether the borrower can successfully apply for a loan. Therefore, both husband and wife should keep good credit information to avoid loan rejection due to personal bad records.