If your spouse has a lot of bad records, even if you only buy a house and a car in the name of husband and wife, even if the lender has a good credit record, the bank will still think twice and even doubt the applicant's repayment ability.
The bank will refuse to lend money if it has been overdue for more than six times before, or if it has been overdue for more than three times in a row. However, if it is unintentional overdue, you can apply to the bank for an unintentional overdue certificate. At the same time, the bank will judge whether the customer is unintentionally overdue or intentionally overdue according to the overdue time and the amount owed.
Extended data:
Documents required for loan to buy a car:
First, the original and photocopy of the identity certificate of the motor vehicle owner. If it is a company vehicle, the original and copy of the organization code certificate are required. Temporary residents also need to provide the original and copy of valid residence permit. If it is an agent, the original and photocopy of the agent's identity certificate are also required.
2. The original and photocopy of the mortgagee's identity certificate (with official seal), the original mortgage contract, the power of attorney of the mortgagee and the power of attorney of the motor vehicle owner (with official seal and cheque seal), the motor vehicle registration certificate, and fill in the Application Form for Motor Vehicle Mortgage Registration/Pledge Filing.
Matters needing attention in buying a car with a loan:
First, we must find out what the interest rate of the loan is. Don't be deceived by propaganda such as monthly payment and daily payment, so the most important thing is to calculate the specific interest rate.
Second, doing a good job of your own credit record will not only help your future loan application, but also affect your spouse's application. When applying for a loan, you must also pay attention to small details, so as to protect your rights and interests.
Third, we should negotiate the unsubscribe rules before handling. It is inevitable that the application will take too long or the approval will be unsuccessful, but if the deposit has been paid, the dealer is often reluctant to return it. Therefore, negotiating the follow-up details in advance will help reduce unnecessary troubles such as follow-up contradictions.
Fourth, remember to repay the loan in time after the loan application is successful, and find out the monthly repayment time. Failure to repay on time will not only affect credit, but also increase the follow-up cost, so we must be cautious.
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