No, the borrower's credit information is enough. Check the credit information of both husband and wife, just as a reference to ensure the loan qualification.
Generally speaking, even husband and wife are two independent people. If the loan is made on a household basis, it is not good for either party to have bad credit. If it is a personal loan, such as a mortgage, you can use an individual.
Generally speaking, mortgage is based on the credit of both husband and wife. If the married person has a good loan, the bank will refuse the loan.
But the rules of banks are different. If one of the spouses is overdue three times in a row or six times in total within two years, the bank will
According to the regulations of joint-stock banks, the lender's credit record is based on the family. Either spouse is overdue for more than 6 times, with a good record, and the loan is also used to buy a house.
Second, hello, I want to ask you, do you have to ask both people for a loan from the bank?
No, the borrower's credit information is enough. Check the credit information of both husband and wife, just as a reference to ensure the loan qualification.
Generally speaking, even husband and wife are two independent people. If a household loan is used as a unit, neither party can obtain bad credit. If it is a personal loan, like a mortgage, you can borrow in your own name.
Generally speaking, mortgage is based on the credit of both husband and wife. If a married person borrows money to buy a house, and one of the husband and wife has a bad credit record, the bank will refuse the loan.
But different banks have different regulations. For example, some state-owned banks stipulate that if one of the husband and wife is overdue for three times in a row or six times in total within two years, the bank will refuse to issue loans.
According to the regulations of joint-stock banks, the credit records of lenders are investigated on a household basis. If either spouse has overdue repayment records for more than 6 times and the other spouse has a good credit record, the house purchase loan will also be rejected.
3. Do you need letters of credit from both husband and wife for bank loans?
Bank loans require credit information from both husband and wife. If the loan is for a married person, the spouse must sign as co-borrower or guarantor, so it is necessary to check the credit information of both husband and wife. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply. Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts. Now more and more post-80s and post-90s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Bank deposit is the currency deposited in the bank, and it is an integral part of monetary funds. According to the provisions of China's cash management system, every enterprise must open a deposit account with the People's Bank of China or a specialized bank for deposit, withdrawal and transfer settlement. Except for a small amount of cash within the prescribed limit, the monetary funds of the enterprise must be deposited in the bank. Bank deposits of enterprises mainly include: settlement account deposits, letter of credit deposits, foreign deposits, etc. The cashier is responsible for the receipt and payment of bank deposits. Every bank deposit income and expenditure business must prepare accounting vouchers according to the audited original vouchers. 1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record. 2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
To apply for a bank loan, both husband and wife must have good credit?
Find your credit card bank, print out the bill, add a note to explain why you are overdue, and then let the bank stamp it.