Legal analysis: one spouse's bad credit record will affect the other spouse's application for mortgage. 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 total, the bank will refuse to issue the loan.

Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise legal person, other economic organizations, individual industrial and commercial households or a natural person with China nationality and full civil capacity approved and registered by the administrative department for industry and commerce. The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.

Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.

3. basic deposit account or general deposit account has been opened.