Personal suggestion: If you buy a wedding room after marriage, you can write your husband's name separately, unless the husband pays in full. If you buy a house with a loan, please write down the names of both husband and wife even if the husband is completely alone. This is the best. Of course, please negotiate on an equal footing and decide how to do it.
According to the provisions of the Civil Law, during the existence of the relationship between husband and wife, the house purchased for * * * to live together belongs to the joint property of husband and wife. Even if the husband repays the loan alone, the wife will be regarded as a relationship with the borrower. Therefore, banks should not only check the credit information of borrowers, but also check the credit information of borrowers' spouses. At the same time, the loan contract and mortgage contract also need both husband and wife.
The purpose of this is to prevent the borrower and the borrower's spouse from having a large amount of debts, thus endangering the bank's creditor's rights. At the same time, the bank will also require you to sign the Letter of Attorney for Credit Inquiry in the loan contract, and entrust the bank to inquire the credit information of both husband and wife from the Credit Information Center of the People's Bank of China to ensure that the borrower and the borrower's spouse have no large debts.
If the wife has an online loan, but it has been paid off, this will be displayed in the credit report, which will show that you have paid off the loan. At the same time, the bank will think that you are the spouse of the borrower, who has borrowed and paid back, repaid in time and kept your promise.
At the same time, the bank will also inquire about your credit card, guarantee for others and other consumer loans. According to the salary of you and your husband, deduct your necessary living expenses, deduct your possible debts, and evaluate the credit line according to this comprehensive situation, that is, how much money the bank can lend you and how many years it will be repaid.
Of course, the bank staff will also ask about your daily work, life, consumption, children, family and so on. Of course, online loans will also be asked. This is a normal workflow, just answer truthfully.
Please answer the questions of the bank truthfully. Once the bank has problems in verifying your situation, the bank staff will think that you are a dishonest borrower, and if the situation is serious, they will directly reject your loan application.
Seven suggestions: If you and your husband jointly repay the loan after marriage, or you also repay part of it, or you also provide part of the down payment when buying the property, please transfer it to your husband's bank card for repayment by bank transfer, so that once there is a problem in marriage, it will be well documented when dividing the property. Try not to use cash or withdraw deposits, it is best to use transfer.
I wish you a happy marriage and a happy house. Please repay the bank loan in time and be an honest and law-abiding citizen.