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. Legal basis: Article 1064 of the "People's Republic of China and Civil Code" Article 1064 Debts borne by both spouses with the same signature or with subsequent ratification by one spouse and other mutual expressions of intention, as well as debts borne by one spouse during the marriage Debts borne in individual names for the daily needs of the family during the relationship are joint debts of the couple. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debt is used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses.