With the establishment of a system of personal credit records and letters of credit, letters of credit have become an indispensable part of the financial credit field. Poor credit records, on the other hand, affected access to loans, so did the letter black out the ability of spouses to make loans? This is an issue that needs to be considered and analysed from several angles。

Does the letter black out a spouse's loan

First of all, we need to see how the blacklist got here. The blacklist generally refers to a list of late, unpaid, illegal, etc. in the individual ' s letter record, which is recorded by a bank, credit card company or other financial institution and submitted to the letter caller for consolidation. If a spouse had a bad credit record, it would affect the overall credit position of the family and reduce the success rate of applications for credit. At this point, it is suggested to look at this issue from the perspective of family credit co-lending, which, if the family as a whole is in a better credit position, may also enhance the likelihood of applying for credit by, inter alia, providing a guarantor, a mortgage, a guarantee company, etc。

Secondly, a distinction needs to be made between the types of blacklists. In China, the information market consists mainly of three main institutions, namely, letters of call, letters of call and letters of call. In the event of a negative record on the blacklist, it would have had a greater impact on the application for a loan, as it was one of the most central and authoritative institutions of call. The second is the 100-permit and remittance letters, which are slightly less accurate in market occupancy and recording data. If blacklists were recorded in both institutions, the impact on loans was slightly reduced。

Again, a solution to the problem needs to be found. In general, couples who support a fixed income, have a good record of correspondence and have sufficient means to repay their contributions can resolve the problem of being unable to apply for a loan because of the poor personal status of the spouses. This is done through the design of a mutual repayment agreement between the spouses, the provision of a stable income by the principal borrower and the performance of a repayment in a bank or financial institution, and the processing of a loan with the assistance of the spouses, such as a salary certificate, a property certificate, a vehicle certificate, etc. This enables a successful application for a loan even if one of the parties has a blacklist, provided that the principal is well documented。

Finally, it should be noted that blacklists do not mean that they cannot apply for loans. If it is not possible to modify the letter-of-assist record, an attempt can be made to increase the likelihood of a successful loan through, for example, collateral or a guarantee company. Even if an application for a loan is denied, it is not easy to give up. It is possible to try to learn about its credit records, about the lending policies of banks and financial institutions, and to gradually raise the credit rating of individuals and the credit access threshold。