1. Both husband and wife are between 18 and 60 years old, and both have full capacity for civil conduct;
2. Both husband and wife have stable jobs and incomes, and have the ability to repay the loan principal and interest safely;
3. The personal credit status of both husband and wife is good, and there are no bad records such as overdue;
4. The purpose of the loan is reasonable and clear;
5. Meet other conditions stipulated by the lending institution.
Couples who meet the above conditions can apply for loans in the name of husband and wife if they need loan funds. Both husband and wife need to fill in the loan application form and submit ID card, marriage certificate, income certificate, credit report and other materials. In addition, in this case, after the loan is approved, both husband and wife need to go to the bank to sign the loan procedures. If the loan amount is not very large, it is recommended to apply for a loan in the name of an individual. If the personal qualifications are not enough, then the spouse can apply for a loan as a guarantee. This kind of loan also requires both husband and wife to share the repayment responsibility.
Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC).
The debts incurred by both husband and wife after the same signature or ratification by one party, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife.
Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.