No, just check the applicant's credit. Car loans do not require credit information from both husband and wife, but only from one husband and wife. When buying a car with a loan, generally only the buyer's credit information will be checked, not the spouse's, so it is best to choose the one with better credit information as the buyer to apply for a car loan. If you are married, you should check not only your personal credit, but also your spouse's credit. And even if you borrow money to buy a car in your own name and your personal credit record is good, as long as you find that your spouse's credit record is not good, the bank will doubt your family's repayment ability and credit, and you will be more cautious when lending. When checking credit information, we will generally focus on the credit information records of the past two years. However, if there have been serious overdue cases before, such as "three consecutive years, six consecutive years", even two years ago, banks and lending institutions will ignore it and it is difficult to apply for loans. Even if they apply, the amount may be low and the interest rate may be high. Generally speaking, neither car dealers, banks nor financial companies will check the credit information of the lender's spouse. Although the car was bought in your name, if your other half has the following credit problems, the bank probably won't approve it: 1. If the loan is overdue for more than two times, personal credit will be greatly affected. This item is of great concern to banks in the audit process. In addition, if it is overdue for more than 3 months, it may be entered into the credit information system, and in serious cases, it will be sued to the court to auction the vehicle to pay off the debt. 2. If the repayment is overdue for more than 90 days, the credit will be recorded as bad credit. Of course, if it is overdue within 3 months, it will generally be reminded by phone. Overdue credit information will be recorded within 3.60 days. 4. The credit card is illegally cashed out. 5. When guaranteeing for others, the guarantor fails to fulfill the repayment obligation on time. If the above problems happen unfortunately, you can try the following remedies: 1, credit line, and you can use it if you are not in a hurry to buy a car. Generally speaking, credit problems will be kept for 5 years, and will be automatically deleted after 5 years, but general bank loans only depend on your repayment records within 1-2 years. If you repay the loan on time in the past two years, the probability of getting the loan is still relatively high. 2. Ask the bank if it can issue a certificate of unintentional overdue and how many times it has defaulted. 3. Ask the bank more. After all, each bank's loan approval criteria are different. 4. In case the bank fails to pass the audit, you can try to borrow money from the car dealer finance or finance company. Although the interest rate may be higher than that of the bank, if you can get a loan, you can still solve the urgent need.
Two, auto financing companies should check whether the credit is both husband and wife or unilateral.
It doesn't have to be like this. According to the requirements of different companies, not all of them may be checked, but if they are checked, they must be authorized by themselves and will not be checked privately.
Third, do you borrow money to buy a car to check your spouse's credit information?
Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
If you want to know about loans, you can check the blog "Photos of a Few People" on the syllabus.
(1) loan term
(2) Loan interest rate
(3) Discounting and interest settlement
In order to spend some brain cells, please accept the answer if you are satisfied.
Fourth, does the manufacturer rely on the husband and wife's credit information for financing to buy a car?
For married users, buying a car within marriage belongs to the joint property of husband and wife, so the auto financing company will not only check the credit information of the lender, but also check the credit information of the spouse. If the spouse's credit information is poor, it may affect the loan review results and lead to the failure of the lender's application. Moreover, the credit information of both husband and wife meets the requirements, so the chances of passing the loan review will increase.