My wife buys a house, and my husband has paid off with a micro loan, does it affect my wife s purcha

Generally, it will not have an impact, as long as you have no problems in the following areas, it will not affect the mortgage

1. Personal credit.

The bank will focus on reviewing the user's personal credit, and only users with good credit can pass the bank's mortgage review, so if you want the mortgage to be approved smoothly, the user must maintain a good personal credit.

2. Ability to repay.

Banks mainly verify the user's repayment ability through bank statements, income certificates, credit information and social security, etc., and only users whose monthly payment does not exceed half of their monthly income have the opportunity to pass the bank's approval. Therefore, it is recommended that you provide more proof of property to show your ability to repay.

3. Liabilities.

The user's current debt situation will directly affect the mortgage approval result, after all, the higher the debt ratio, the greater the risk. Therefore, the more debts in your name, the higher the risk of rejection.

4. Engage in occupation.

Banks prefer users with stable jobs, such as teachers and civil servants, because such users have stability and a certain guarantee of repayment ability, so they can ensure the safety of funds.

5. Property rights.

When applying for a housing loan, the user needs to use the housing as collateral, so the situation of the housing has also become an important reference factor for the bank to approve the housing loan. In particular, the property rights of the house must be clear.

If you still have any loan questions, you can consult with the digital finance network.

As long as the borrower applies for a loan in WeLoan, the loan record will be displayed in the credit report. If the later loan is overdue, it will also be shown in the credit record. Therefore, borrowers must repay their loans on time to avoid personal credit being affected.

At present, formal loan platforms will be connected to the credit information system in accordance with the relevant regulations of the People's Bank of China. When a consumer loan product is connected to personal credit information, it will truthfully feedback the borrower's historical usage records, which will help financial institutions evaluate the borrower's personal credit status.

Under normal circumstances, if the borrower repays the loan on time and maintains good usage habits, then the use of micro loans will not have a negative impact on personal credit, but will help personal credit accumulation, and become a proof of good credit when applying for housing loans, car loans and other loans in the future.

Among the reliable big brands on the market, in addition to micro loans, Du Xiaoman Finance's money is also a good choice. Du Xiaoman Finance has money to spend is easy to apply, fast to lend, flexible to borrow and repay, and users can take the initiative to apply. Du Xiaoman Finance has transparent interest fees for money to spend, reliable interest rates for big brands, and a maximum borrowing amount of 200,000 yuan, which can meet the needs of most borrowers.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider Du Xiaoman Financial Money, which is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

As long as the repayment is not overdue and there is no bad credit history, it will not affect the wife to buy a house.

Hello, it shouldn't have a big impact, it depends on the mortgage policy.

If you don't have too many queries after the deadline, it won't have an impact.

If your wife buys a house and her husband has paid off with an online loan, it has no impact on your wife's purchase of a house, as long as you have a good credit and no bad record, it will have no impact when you buy a house.

Legal analysis: Whether the wife who is overdue for the husband's online loan will be implicated needs to be dealt with according to the following circumstances: 1. The debts borne by the husband and wife jointly signed by the husband and wife or the husband and wife later recognized the common intention such as Bu Sheng, as well as the debts borne by one of the husband and wife in their personal 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 and should be repaid jointly by both parties 2. The debts incurred by one of the husband and wife in their own name during the existence of the marital relationship in excess of the daily needs of the family do not belong to the joint debts of the husband and wife, which shall be borne by the individual.

Legal basis: Article 1064 of the Civil Code of the People's Republic of China: Debts incurred by both husband and wife in the joint signature of the husband and wife or a common expression of intent such as the subsequent recognition of one of the husband and wife, as well as the debts incurred by one of the husband and wife in their 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.

Whether the wife who is overdue for the husband's online loan will be implicated needs to be dealt with according to the following circumstances:

1. Debts borne by the husband and wife in the joint signature of the husband and wife or by one of the husband and wife after the fact, as well as debts incurred by one of the husband and wife in their own name for the daily needs of the family during the existence of the marital relationship, are joint debts of the husband and wife and shall be repaid jointly by both parties.

2. Debts incurred by one of the husband and wife 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, but shall be borne by the individual.

1. If the wife is sued for owing money, should the husband pay it back together?

Whether the wife owes the debt and the husband has to repay it together depends on the actual situation.

1. If the wife owes a debt before marriage, and it is also considered to be a personal debt, then the husband generally has no obligation to repay it after marriage.

2. If the wife owes the debt after marriage, and if the debt is used for the common life of the family, or the joint investment and operation of the family, then it can be determined that the husband and wife have the same debt, and in this case, the other party has to bear the obligation to repay.

According to the relevant laws and regulations of China, the debts owed by the wife are joint debts of the husband and wife, and when the wife is unable to repay, the husband has to bear the responsibility of repaying the debts, and the joint debts shall be repaid by the joint property.

1. Debts borne by the husband and wife in the joint signature of both 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.

2. Debts incurred by one of the husband and wife 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. One of the husband and wife makes a guarantee privately.

This is not a joint debt. Debts incurred by the husband and wife as a joint signature or a subsequent recognition by one of the husband and wife, as well as debts incurred by one of the husband and wife in their 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 and do not need to be repaid jointly.

Legal analysis: Whether the husband and wife will be implicated in the overdue online loan shall be dealt with according to the following circumstances: 1. The debts borne by the husband and wife who jointly sign or the husband and wife who recognize it afterwards and other common expressions of intent, as well as the debts incurred by one of the husband and wife in their personal name during the existence of the marital relationship for the daily needs of the family, belong to the joint debts of the husband and wife and should be repaid jointly by both parties 2. The debts incurred by one of the husband and wife in the name of the husband and wife during the existence of the marital relationship exceed the daily needs of the family. It is not a joint debt of the husband and wife and shall be borne by the individual.

Legal basis: Civil Code of the People's Republic of China Article 1064 Debts borne by the husband and wife as jointly signed by the husband and wife or by one of the husband and wife as a result of the subsequent recognition of the common intention, as well as the debts borne by the husband and wife in their 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.

Whether the husband's bank has a loan and the wife's loan to buy a house has an impact depends on the nature of the loan. The specific situation is as follows: 1. If the husband and wife do not apply for a mortgage loan, then it will generally not be affected by the husband's bank loan.

Communicate within the family and deal with it in a timely manner so as not to affect the relationship between the husband and wife; 2. However, if the husband and wife apply for a mortgage loan, the loan for the wife to buy a house will be affected.

1. What are the precautions for buying a Kairu house before marriage?

1.If it is a joint purchase, divide the money contributed by all parties. It is becoming more and more common to buy a house under the AA system, so it is necessary to distinguish how much money both parties spend when applying for a loan to buy a house, so as to avoid disputes in the future.

2.If you buy a house together, you can identify the main lender and the subprime lender. When determining the main lender, it is best to choose the one with a higher income and a younger age so that the loan is not affected.

3.Whether to fill in the names of the two people on the real estate certificate should be fully negotiated. If both parties have contributed capital, but only one party's name is registered on the title deed, then the property may be recognized as one party's pre-marital property and the other party has no right to divide it.

2. What is the impact of my husband's car loan overdue and being sued on my wife?

The husband is sued for overdue car loan, which may cause his wife to be sued. If the existence of the marital relationship between two people will have an impact, the marital mortgage is to examine the credit status of the husband and wife. So the two people are related.

Because the loan needs to be signed by both husband and wife, it is a joint debt, so repay the loan as soon as possible so as not to tease the grandson to take a bad record, or apply for cancellation of the bad record. If the car loan is overdue for too long, the wife may be sued as a co-defendant.

3. Does it have an impact on too many online loans for spouse credit for car loans?

The husband borrowing the wife is influential. The bank examines the credit status of both 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.

Article 412 of the Civil Code of the People's Republic of China Where the debtor fails to perform the debts due or the parties agree to realize the mortgage right, resulting in the mortgaged property being seized by the people's court in accordance with law, the mortgagee shall have the right to receive the natural or legal fruits of the mortgaged property from the date of seizure, unless the mortgagee fails to notify the person who shall pay off the statutory fruits. The fruits provided for in the preceding paragraph shall first be used to offset the costs of collecting the fruits.