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.

Eagle Heart Quick Check reminds everyone that the investigation of the lender's credit history is based on the family. 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 Civil Code, the property acquired during the marriage relationship belongs to the husband and wife, and the debts incurred are shared by the husband and wife. 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.

Extended data:

When both husband and wife apply for a loan, the lending institution can pay more attention to the following information:

1. Credit information of both husband and wife.

2. Family income.

3. The debt ratio of the whole family.

4. Is there a suitable loan demand?

5. Historical loans of both parties.