There's always a problem with how to get a letter when it comes to loans. Especially for couples who applied for a loan together, who would have access to the loan record? Let me give you the answer。

So that's what happened

The principal, or the holder of the loan card, is shown in his letter of request. While both letters of credit may be subject to bank scrutiny, the final record of the loan will appear only in the letters of the principal lender. However, one thing that requires your attention is that if there are cases of overdue repayments, both of you will have such a bad record in the letter-writing reports。

The best option, therefore, is to choose the more creditworthy party to be the principal lender, since in the course of the audit, banks or lending institutions are more inclined to check and rely on the credit status and personal qualifications of the principal lender。

WHAT IF YOUR CO-BORROWER DOESN'T HAVE A BANK CARD? DON'T WORRY, HE CAN MAKE LPR CONFIRMATIONS THROUGH MOBILE BANK OR DIRECTLY TO THE BANK'S NETWORK. USERS OF MOBILE BANKS SIMPLY HAVE TO LOG IN AND FIND THE LOAN PAGE AND THEN SEE IF THEY WANT TO CONVERT THE LOAN INTO LPR. THE CO-BORROWER SIMPLY CLICKS TO CONFIRM。

If you have neither a bank card nor a mobile bank, the most direct way to do this is to take out an identity card to the bank's business network for an offline confirmation。

In general, the credit records of the two individuals on the loan together are placed in the name of the principal lender, but in order to avoid the erosion of the credit of both parties as a result of the overdue payment, the party in good credit position is chosen as the principal lender to the extent possible。