First of all, it needs to be clear that lending is a contractual relationship, and its influence is usually limited to the parties to the contract. Therefore, if the loan with the ex-husband is signed in the name of an individual and the second-married husband does not participate as a borrower or guarantor, then theoretically, the loan will not have a direct impact on the second-married husband.
However, the actual situation may be more complicated. For example, the loan is used to buy property such as real estate or vehicles. After the second marriage, these properties still belong to * * *, and the failure of the ex-husband to repay on time may affect the disposal and rights of these properties. In addition, if the loan involves the credit record or credit information system, the bad repayment record of the ex-husband may affect the credit status of the whole family, and then affect the loan application or other financial activities of the second married husband in the future.
In addition, it is worth noting that different financial institutions may have different credit evaluation and risk control standards for loan applicants. Some institutions may consider the overall credit status of the applicant's family, including the spouse's credit history, when approving loans. Therefore, even if the second-married husband is not the direct party to the loan, his credit record may affect the result of the loan application to some extent.
In order to avoid potential disputes and risks, it is suggested to negotiate with the ex-husband to properly solve the loan problem before entering the second marriage. If no agreement can be reached, you can seek the help of professional lawyers or financial advisers, understand relevant laws, regulations and financial policies, make a reasonable repayment plan or take other appropriate measures.
To sum up:
Whether the second-married husband will be affected by the loan with his ex-husband depends on many factors, including the specific circumstances of the loan, whether the second-married husband participates in the loan, and the approval standards of financial institutions. In order to avoid potential risks, it is suggested to properly solve the loan problem with the ex-husband and consult professionals before entering the second marriage.
Legal basis:
Contract law of the people's Republic of China
Article 8 provides that:
A legally established contract is legally binding on the parties. The parties shall perform their obligations as agreed, and shall not alter or terminate the contract without authorization.
People's Republic of China (PRC) Securities Law
Article 6 provides that:
The term "guarantee" as mentioned in this Law refers to the act that the guarantor and the creditor agree that when the debtor fails to perform the debt, the guarantor will perform the debt or assume the responsibility according to the agreement.
the marriage law of the people's republic of china
Article 18 stipulates:
Property acquired by husband and wife during the marriage relationship shall be jointly owned by husband and wife, unless otherwise agreed by both parties.
Husband and wife have equal rights to dispose of all property.