If you are married, you should check not only your personal credit, but also your spouse's credit. And even if you borrow money to buy a car in your own name and your personal credit record is good, as long as you find that your spouse's credit record is not good, the bank will doubt your family's repayment ability and credit, and you will be more cautious when lending. When checking credit information, we will generally focus on the credit information records of the past two years. However, if there have been serious overdue cases before, such as "three consecutive years, six consecutive years", even two years ago, banks and lending institutions will ignore it and it is difficult to apply for loans. Even if they apply, the amount may be low and the interest rate may be high. Generally speaking, neither car dealers, banks nor financial companies will check the credit information of the lender's spouse. Although the car was bought in your name, the bank probably won't approve it if your other half has the following credit problems:
1. If the repayment is overdue for more than 2 times, personal credit information will be greatly affected. This item is of great concern to banks in the audit process. In addition, if it is overdue for more than 3 months, it may be entered into the credit information system, and in serious cases, it will be sued to the court to auction the vehicle to pay off the debt.
2. If the repayment is overdue for more than 90 days, the credit will be recorded as bad credit. Of course, if it is overdue within 3 months, it will generally be reminded by phone.
Overdue credit information will be recorded within 3.60 days.
4. The credit card is illegally cashed out.
5. When guaranteeing for others, the guarantor fails to fulfill the repayment obligation on time.
If the above problems happen unfortunately, you can try the following remedies:
1, credit coverage, if you are not in a hurry to buy a car, you can use this method. Generally speaking, credit problems will be kept for 5 years, and will be automatically deleted after 5 years, but general bank loans only depend on your repayment record of 1-2 years. If you repay the loan on time in the past two years, the probability of getting the loan is still relatively high.
2. Ask the bank if it can issue a certificate of unintentional overdue and how many times it has defaulted.
3. Ask the bank more. After all, each bank's loan approval criteria are different.
4. In case the bank fails to pass the audit, you can try to borrow money from the car dealer finance or finance company. Although the interest rate may be higher than that of the bank, if you can get a loan, you can still solve the urgent need.