If one of the spouses has overdue credit, it will affect the loan to buy a house; 1. Both husband and wife apply for mortgage at the same time, so after accepting the application, the bank will also check the credit status of both husband and wife. If either party is overdue, it will affect the mortgage application. Each bank has different requirements for credit reporting. If the borrower's overdue situation is not very serious, then the bank will consider lending money for him as appropriate. 2. Conditions for buying a house with a loan: buying a new house: ID card, household registration book, marriage certificate, income certificate, bank account, and house purchase contract (if married, provide information on both husband and wife) 3. Conditions: as long as there is a stable income and bank account, as long as there is a monthly account, the monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment is 2, yuan, and the monthly income needs to be about 4, yuan, and 4. Buying a second-hand house: ID card, household registration book, marriage certificate, income certificate, running water in the bank, (providing information on both husband and wife when married) The conditions are the same as those of a new house: as long as there is a stable income and running water in the bank, as long as there is running water every month, the monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment is 2, yuan, and the monthly income needs to be about 4, yuan, and there is no overdue credit inquiry in general banks. Legal objectivity:

Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest. Article 669 of the Civil Code: When concluding a loan contract, the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender. Article 672 of the Civil Code The lender may inspect and supervise the use of the loan in accordance with the agreement. The borrower shall provide the lender with relevant financial and accounting statements or other materials on a regular basis in accordance with the agreement.