My husband s online loan is overdue, can my wife still apply for an online loan?

Your husband's online loan is overdue, if it belongs to your husband's personal loan, and there is an overdue record on your husband's credit report, your wife can also apply for an online loan, as long as you meet the conditions for applying for an online loan.

The loan is overdue. Loans are overdue, there are short-term and long-term, and the consequences are different depending on the length of time they are overdue. However, most people have many misunderstandings about overdue loans, and they don't find out that it's too late to regret until they have serious consequences!

Short-term overdue loans and consequences.

1. High fines and liquidated damages.

After the loan is overdue, in addition to the interest and principal, you also need to pay high penalty interest and liquidated damages when repaying.

2. Leave personal credit stains.

There will be an overdue record on the credit report, which will be retained for 5 years even after repayment. Overdue records will affect almost all subsequent financial activities of the overdue person.

3. Receive SMS** collection.

The lender will continue to send text messages and call ** to collect the overdue funds, inform the borrower of the serious consequences of overdue, and order the borrower to repay the overdue principal and interest within a time limit.

Long-term overdue loans and their consequences.

Generally speaking, overdue for more than 90 days will be regarded as maliciously overdue by the lender. Banks can sue for collection of malicious overdue payments of more than 90 days, regardless of the amount. After the court makes a judgment, release to the public information on judgment defaulters (lai), restrict their high consumption, restrict travel by airplane, and high-speed rail.

As the regulatory bureau is becoming more and more strict, and the online loan platform is becoming more and more standardized and strict, many online loans are now on the credit report, so the credit record is a matter of great concern to all borrowers.

1. The processing of online loan credit records is very "humane";

Compared with traditional banks, online loan credit is much more humane, that is, it will give a certain grace period for unintentional overdue due to temporary negligence, but if you are in arrears for a long time, it will be easy to have a taint record of borrowers, which is also a key reminder in the credit system, and the impact on individuals is very serious!

2. The retention period of bad credit reporting records of bank loan defaults is 5 years.

According to the "Regulations on the Administration of the Credit Reporting Industry", the retention period for credit reporting establishments of negative personal information is 5 years from the date on which the negative conduct or incident is terminated. After the repayment of principal and interest and liquidated damages, other banks will not be able to check the bad record for more than 5 years. It is important to note that the credit stain will remain in place until the loan is settled.

So you must cherish your credit history.

3. The retention period of credit card overdue bad credit records is 2 years.

Credit card repayment information will be recorded by the central bank's credit information system for 24 months, and if the card is cancelled, the record will be kept for a long time. Therefore, it is recommended that credit card users continue to use the card for two years after paying off the arrears, and maintain good credit during the period, so that the bad records can be removed from the credit reporting system by rolling records.

The above three are all based on short-term default, if the overdue is too long, and the overdue information has been uploaded to the People's Bank of China, then pay off the debt and wait for 5 years for the system to automatically eliminate it.

Legal analysis: The husband's online loan will not affect the wife's credit, and the husband's online loan may be blacklisted by the bank, that is, it will be automatically canceled after the bank has a bad credit record for 5 years; The money on the card with the wife will not be frozen, but if the bank sues the husband through the court, it will cause a private loan dispute. In serious cases, the bank has the right to apply to the court for the freezing of the marital property.

Legal basis: Article 1064 of the Civil Code of the People's Republic of China Debts borne by the husband and wife in the joint signature of the husband and wife or the subsequent recognition of the husband and wife, as well as debts incurred by one of the husband and wife in his or her own name for the daily needs of the family during the existence of the marital relationship, are joint debts of the husband and wife.

Debts incurred by one of the spouses in his or her own name during the existence of the marital relationship in excess of the daily needs of the family are not joint debts of the husband and wife; However, the creditor can prove that the debt was used for the husband and wife's common life, joint production and business, or based on the common intention of the husband and wife.

may be implicated and may have the following problems.

First, if the online loan company sues and the court enforces it, it may enforce the joint property of the husband and wife, such as real estate, vehicles, etc.

Second, it affects the reception of the wife, if the husband has a loan and the wife borrows, it may affect the loan review.

The assets and liabilities of the husband and wife are shared, and if the online loan occurs after the marriage and you are aware of and allowed, then the overdue loan will also be implicated.

Legal analysis: The husband's online loan is a personal debt belonging to the husband, and if the wife can prove that the money is not used for the husband and wife to live together, then these debts have nothing to do with the wife. However, if the husband has a large amount of online loans and has overdue repayment records, the husband and wife want to apply for housing loans, car loans and other loans that are based on the family as a unit to inquire about the credit, which will be more difficult, and the overdue circumstances are serious, and they will not be able to apply for a housing loan directly.

If the husband has a large amount of online loans and fails to repay the loan on time, and the overdue situation is serious, and the lending institution files a lawsuit with the court and wins, the husband refuses to repay the loan and becomes a dishonest person subject to execution, which will have a certain negative impact on the family. If the husband is a judgment defaulter, the wife cannot apply for a housing loan or car loan. In addition, the property in the name of the husband and wife will be enforced by the court to repay the loan, and the husband will not be able to go to high-consumption places to spend, cannot take airplanes or high-speed trains, and the children of the husband and wife will not be able to attend high-fee private schools.

Legal basis: Article 1089 of the Civil Code of the People's Republic of China: At the time of divorce, the debts originally incurred by the husband and wife living together shall be repaid jointly.

If the joint property is insufficient to be repaid, or the property is owned by each other, it shall be repaid by agreement between the two parties; If the agreement is not reached, the people's court shall make a judgment.

1. Whether the wife who is overdue for the husband's online loan needs to be implicated according to different circumstances, as follows:

1) As long as the debt is not a joint debt of the husband and wife, the wife will not be implicated;

2) If the debt is a joint debt of the husband and wife, the wife will be implicated.

2. Legal basis: Article 1064 of the Civil Code of the People's Republic of China provides that debts borne by the husband and wife jointly signed by the husband and wife or recognized by one of the husband and wife after the fact, as well as the debts incurred by one of the husband and wife in his or her own name for the daily needs of the family during the existence of the marital relationship, belong to the joint debts of the husband and wife. Debts incurred by one of the spouses in his or her own name during the existence of the marital relationship in excess of the daily needs of the family are not joint debts of the husband and wife; However, the creditor can prove that the debt was used for the husband and wife's common life, joint production and business, or based on the common intention of the husband and wife.

2. What are the consequences of overdue online loans?

The consequences of overdue online loans are as follows:

1. Bear high overdue fees;

2. Bear the fancy collection of the platform;

3. Facing a national crisis of confidence;

4. The credit report of the People's Bank of China produces stains;

5. If the circumstances are serious, you will be imprisoned.

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

Summary. Hello, this is divided into 2 situations, if the wife's online loan is overdue, the overdue record is uploaded to the credit report, and the husband applies for a housing loan and a car loan, then it will affect the husband. If the overdue record of the online loan is not on the credit report, it will not affect the husband's application for credit business.

Or the wife's online loan overdue record is on the credit report, but the husband is applying for a personal loan business, so it will not be affected.

Hello, this is divided into 2 situations, if the wife's online loan is overdue, the overdue record is uploaded to the credit report, and the husband applies for a housing loan, car loan, then it will affect the husband. If the overdue record of the online loan is not on the credit report, it will not affect the husband's application for the Xinda Royal Code Loan business. Or the wife's online loan overdue record is on the credit report, but the husband is applying for a personal loan business, so it will not be affected.

Hello, I have time to take a look at you.

Will getting a marriage certificate affect me? Will it affect his credit report, credit card.

Hello, after getting the certificate, what kind of loan did my husband apply for?

It's a credit card.

Hello It doesn't affect the bad credit history of the credit card, only for the cardholder, not for anyone else.

Hello! If the wife's online loan is not overdue, it usually does not directly affect the husband's loan. However, if the family's financial situation is poor, the bank generally needs to consider the family's total debt, including the couple's loans and credit card debts.

At this time, the wife's online loan will also be counted in the total debt of the family, which will affect the total credit status of the family. In addition, if the wife's online loan is overdue, it will generally affect the credit evaluation and loan interest rate when the husband and wife apply for the loan together. 1.

In China, the Marriage Law stipulates that husband and wife are jointly responsible for family property debts. If the wife's online loan falls within the scope of marital property, then in the case of poor conditions, the bank will take into account the wife's ability to repay the online loan when evaluating the loan, which involves the issue of joint repayment by the husband and wife. 2.

The personal debts of one of the spouses should not have a significant impact on the application for a household loan if they are not related to the family property. However, in the case of being asked to fill in the family's financial situation when applying for a loan, the personal debts of both spouses are generally taken into account. 3.

In addition, it should be pointed out that in the case of joint borrowing by husband and wife, the credit status of both people will directly affect the loan interest rate and amount of the family. If either of them has a poor credit profile, I am afraid that the bank will be hesitant and even refuse to co-borrow. 4.

At the same time, it should be noted that the property used for the mortgage loan is considered family property by default if it is in the joint name of the husband and wife. Therefore, in this case, the debts of either spouse generally affect the bank's assessment of the family's credit status. <>

Summary. If the wife's online loan is not overdue, it will not affect the husband's loan, and the bank will examine the credit status of the husband and wife. As long as one party has a problem with credit reporting, the other party will not be able to do it.

Unless one party borrows money in his or her own name, the debt is a personal debt, and the other party then borrows money or loans in his or her own name, then both parties are personal debts and basically have no impact.

If the wife's online loan is not overdue, it will not affect the husband's loan, and the bank will examine the credit status of the husband and wife. As long as one party has a problem with credit investigation and prudence, the other party will not be able to do it. Unless one party takes out a loan in his or her own name, the debt is a personal debt, and the other party then borrows money or a loan in his or her own name, then both parties are personal debts, and it basically has no impact.

Legal analysis: If it is not overdue, if the personal credit is better, it will not be affected, and under normal circumstances, your loan will be approved. Generally speaking, if you have an online loan record, the biggest impact is that your inquiries will be more, as long as you are repaying normally, it will not affect your mortgage, etc., but it will affect your credit loan.

Chongqing micro-loan application, under general circumstances, must meet the following conditions: First of all, be a resident of Chinese mainland, 18-60 years old, and be able to provide personal ID cards (ID cards, household registration books, marriage certificates, etc.).