If one party of the credit card is associated with the other party when handling the card, it may affect the mortgage. If not, it should be no problem.
The debt of any married person's credit card or bank loan is shared by both parties, so when one party is in debt, it will be affected when refinancing, and the credit lines of both parties are shared.
It depends on the proportion of your current total monthly debt repayment to your income (including credit cards, loans, loans, etc.). ); It depends on your wife's personal qualifications. If she has no income, there is basically no reference value. It depends on your family's monthly income and expenses. Generally speaking, the income and expenditure is about twice the monthly repayment of your loan. You should look at your credit information. If there are overdue records, points will be deducted, and if there are no overdue records, points will be added. Look at your loan bank. Generally, the standards for examination and approval by rural credit cooperatives and big banks should be looser. After all, there is a real estate mortgage.
Extended data
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
1. According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.
Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation.
In the United States, credit reporting agencies have three main business models:
(1) Capital market credit evaluation agency, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;
(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are oriented to all kinds of large, medium and small enterprises;
(3) Individual consumer market assessment agencies, whose credit reference object is individual consumers.
2, according to the service object can be divided into credit, business credit, employment credit and other credit.
The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer; In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.
3. According to the scope of credit reporting, it can be divided into regional credit reporting, domestic credit reporting and transnational credit reporting.
Regional credit information is generally small in scale and only provides credit information services in specific areas. This model generally exists in countries where the credit information industry has just started. After the development of the credit information industry to a certain stage, most of them tend to merge or specialize, and the real regional credit information gradually disappears.
At present, domestic credit investigation is one of the most formal institutions in the world, especially in countries that have set up credit investigation institutions in recent years.
In recent years, transnational credit surveys have risen rapidly. There are two main reasons for the rapid development of this kind of credit investigation: the internal reason is that some old credit investigation agencies in western countries have infiltrated other countries in various forms (such as setting up subsidiaries, cooperation, equity participation, providing technical support, setting up offices, etc.). ) in order to expand their business; The external reasons are mainly the acceleration of world economic integration, the mutual penetration and integration of national economies, the increasing number of transnational economic entities, and the increasing demand for transnational credit information services. In order to adapt to this development trend, there will inevitably be more and more cross-border credit information.
However, due to the different political systems, legal systems and cultural backgrounds of different countries, the development of cross-border credit investigation is also restricted to some extent.