Do you need both husband and wife to check the credit of opening a house?

Both husband and wife need to be open, and the biggest advantage of a good credit record is to accumulate credit wealth for individuals. Generally speaking, in order to ensure the recovery of the loan, the bank may give you a loan after you provide enough collateral.

If you have a good credit record, you may convince the bank that you will repay the loan on time, even if you can't provide material collateral, the bank will give the loan. Therefore, a good credit record is like "credit collateral" for obtaining bank loans.

In addition, a good credit record can get preferential financial services, and banks will have certain flexibility and preferential treatment in terms of loan scale, term and interest rate.

If possible, please establish credit records as soon as possible. The simple way is to have a loan relationship with a bank, such as applying for a credit card or a bank loan. What needs to be clarified here is that not borrowing money from banks is not equal to credit. Because there is no historical credit record, the bank has lost a convenient way to judge your credit status.

If you have any arrears, please pay them off as soon as possible. You need to make your own repayment plan, make timely repayment and credit card overdraft, and pay various fees on time. Otherwise, the overdue repayment will be truthfully reflected in the credit report, which will have an adverse impact on credit activities.

Baidu Encyclopedia-China People's Bank Credit Information System