If one spouse has a bad credit record, it will affect the application for a mortgage. If you take a loan to buy a house in the name of one spouse, even if the lender has a good credit record, if the spouse repeatedly makes late payments, the bank will doubt the family's repayment ability and creditworthiness, and will be more cautious when lending. If one spouse makes three consecutive late payments within two years, or a total of six late payments, the bank will refuse to issue a loan. Article 1065 of the "People's Republic of China" and the Civil Code of the People's Republic of China: Both men and women may agree that the property acquired during the marriage and the property before marriage shall be owned by each other, jointly owned by each other, or partly owned by each of them, and partly owned by them. Same as all. The agreement should be in writing. If there is no agreement or the agreement is unclear, the provisions of Articles 1062 and 1063 of this Law shall apply. The agreement between husband and wife regarding the property acquired during the marriage and the property before marriage is legally binding on both parties. The husband and wife agree that the property acquired during the marriage shall be owned by each other. If the other party knows the agreement, the debts borne by the husband or wife shall be paid off with the personal property of the husband or wife.