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CashBerry is a financial company, providing an online loan consultation service that is fully automated, disbursed within the day.

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The conditions for applying for a loan at Cashberry

4 easy steps to register for a loan

Filling in the registration form
Provide a phone number and fill in personal information. Register and send request for a loan.
Getting approval and Signing an Agreement
The approval results will be anounce via phone call. Only need to log in to Personal account and sign an Agreement.
Receive money
After the application is approved, our partner will transfer the money to your account.
Make repayment to our partner according to the instructions.
with flexible terms at CashBerry
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum
Get loan
  • Term:
    Term: min 92 days, max 183 days
  • Loan limit:
    Loan limit: 100 000 - 5 000 000 VND
  • Interest rate:
    Interest rate: 10,95 - 14,6 %/per annum

Can a husband with bad debt get a bank loan? This depends on the bad debt status of the husband, but the wife can borrow money at a bank or a financial company.

Without good financial control, borrowers are prone to bad debts. When borrowers get into bad debt, they will have a bad credit score, making it difficult to continue borrowing. So, in the case, if the husband has bad debt, can the wife borrow it ?

To find out the answer to the question of whether a husband has bad debt or can't get a wife's loan , you first need to find out the debt group that the husband is in. Is it subject to restrictions at banks? Besides, consider carefully the loan regulations in case your husband has bad debt to easily solve the financial problem in time.

Learn about bad debt

Bad debts or bad debts are subprime debts, which may be past due or doubtful about the debtor's ability to repay and recover capital. Depending on the overdue time of the borrower, bad debts are classified into 5 groups as follows:

● Group 1: Qualifying outstanding loans are debts that are able to fully recover both principal and interest on time.      

● Group 2: Sub-standard outstanding loans are debts that are overdue from 10 to 90 days.      

● Group 3: Sub-standard loans are debts that are overdue from 90 to 180 days.      

● Group 4: Suspicious outstanding loans are debts that are overdue from 181 to 360 days.      

● Group 5: Outstanding loans that are likely to lose capital are debts that are overdue for more than 360 days.      

* Note: In group 1, if the overdue situation occurs frequently, the credit institution may evaluate the level of payment not well, sometimes you will fall into debt group 2.

How does bad debt affect you?

Bad debt is something no one wants, but if you already have bad debt, in addition to affecting your personal reputation, you will also have difficulties in the next loan. Specifically:

Bad debt group


Group 2

The bank will consider the degree of delinquency, how often or not, and whether it can afford to pay for the new loan. If you find that the borrower proves a good income, you can lend it again, provided that you have to pay off all the old debts.

From group 3 to 5

Most banks will not give you credit of any kind. You will have to wait from 2 to 5 years to get a loan, provided that you have to pay off all old debts.

* "Once lost credit, ten thousand times lost faith", with banks with strict risk control systems, when you reach level 3, they will never give you credit again. It is also extremely difficult for you to get a loan to support bad debt at other large credit institutions.

Bad debt group 3, 4, 5 will find it very difficult to get a loan from a bank

Bad debt group 3, 4, 5 will find it very difficult to get a loan from a bank

Husband has bad debt, wife can borrow ?

To answer the question of whether a husband with bad debt can borrow money from his wife, consider each specific case.

● For unsecured loan      

The majority of unsecured loans and credit card openings are unilaterally signed by the husband (or wife). That is, only the husband can sign the loan, without the wife's presence.

In the case of a loan to buy a project house (apartment, property to be formed in the future,...) sometimes without the wife's signature, the husband alone can still make a loan application.

● For mortgage loan      

According to the bank's regulations, if the wife has a good credit history, but the husband has bad debt, the wife will not be supported for a mortgage loan if the couple is in the name of the property.

The solution is to be able to transfer the name to the wife to stand as the owner of the mortgaged property independently, not related to her husband. At this time, the wife can use that property to get a bank mortgage.

So, can a husband borrow bad debt from his wife ?

Normally, when applying for a bank loan, according to the regulations on documents, you need to provide the household registration book attached. This allows banks and credit institutions to verify the borrower's identity.

The bank or credit institution will check the bad debt situation of borrowers and relatives on the CIC system. In case your relatives belong to the 2nd bad debt group or more, it is likely that your application will be refused a loan at the bank .

The reason is because according to the opinion of the bank or credit institution, there is a high probability that in this case you will borrow to help a relative (who is in bad debt). Therefore, your loan application may not be accepted.

However, not all loan applications will be rejected. Husband has bad debt, wife can borrow? It is still possible if the husband's previous loan belongs to debt group 1 and group 2.

Husband is in debt group 1, wife can get a loan

Husband is in debt group 1, wife can get a loan

Is there any way for my wife to get a bank loan?

Because the bank only checks the members in the household registration book, if the wife wants to borrow money from the bank, she can separate the household registration book with her husband. However, this is a temporary solution and countermeasure, not recommended to use this way.

Therefore, in order for the wife to be able to borrow money even though her husband has bad debt, the wife needs to find a credit institution that does not need to check the household registration books and CIC of family members.

For example, at CashBerry financial company , you can borrow money online without checking the household registration book. Just visit or download the CashBerry app on CH Play , you have an instant loan of up to 10,000,000 VND within 24 hours. The advantages of this 24/7 online fast loan form are:

● Borrow online anytime you need      

● Limit 1,000,000 VND - 10,000,000 VND      

● The duration of 30-180 days (according to customer needs)      

● Unsecured loans , loans without proof of income      

● Support bad debt levels      

● Do not appraise relatives      

Simply, just have an ID card or a citizen's identity card, you can successfully borrow money, receive money to your ATM card.

Borrow money quickly by ID card, help you solve urgent financial difficulties

Borrow money quickly by ID card, help you solve urgent financial difficulties

If the husband has bad debt, his wife will not be a concern anymore. Because now you can find another solution, making loans fast and convenient.

In short, not only is the husband's bad debt affecting his wife's credit activities, but conversely, when the wife has bad debt, it is also very difficult for the husband to get a loan. Therefore, when borrowing money at a bank or any other credit institution, you should carefully consider your ability to repay, to avoid uncontrolled spending leading to bad debt due to late payment.

Husband has bad debt, wife can borrow? The answer depends on whether the debt group the husband is in is in the bank's restricted loan list or not. Detailed information on this issue has been fully updated by CashBerry in today's article content.

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