After nearly 3 years of dragging on, his friend Amu is getting married, but recently he has had a very unpleasant relationship with his girlfriend because of a small matter.
This little thing is to check the credit.
Amu's girlfriend works in a bank and is very sensitive to credit information, and she hopes to have a bottom in her heart before getting a license.
And Amu believes that they have lived together for more than 2 years, how to rely on credit records to understand each other, is the distrust of love, but also the distrust of himself. If you don't even have this bit of trust, how do you work together for the rest of your life? What is the use of the marriage certificate?
This reminds me of another scene that once made lovers who were going to get married unpleasantly – the marriage check.
It is also a difference between responsibility and trust, and even mixed with some "superstition" and "privacy", of course, there is a very embarrassing possibility: if it is found out that one of the parties really has something wrong, can the relationship that has been together for so long continue?
With the change of people's thinking, marriage examination has been widely accepted and has become a project that many lovers naturally carry out before marriage. The "trust" and "privacy" that were once used as tools of resistance are also slowly replaced by "peace of mind", because everyone knows that there is really a hidden disease that is not suitable for marriage, and it is irresponsible to the other half of the offspring to marry, and the future days will no longer be sweet because of the outbreak of various hidden dangers.
So, is it necessary to check each other's credit records before marriage?
If we look at the basis of people's change in attitude towards marriage examination, it mainly depends on how much impact it will have on married life if there is really a credit flaw?
1. Debt. If one party owes a huge debt before marriage, it may bring great financial pressure to the other party after marriage. Although the law stipulates that personal debts before marriage are not joint debts of husband and wife. But once your significant other is saddled with huge debts, it's almost impossible for you to stay out of it.
For example, his energy and financial resources will be invested in debt repayment for a long time, and his support for the family will certainly be reduced a lot;
For example, there are huge debts on the credit record, and it is inevitable that there are other debts that are not displayed on the credit reporting debts, in contrast, the debts that do not report credit, the means of collection will be more serious, more or less will affect normal life. Even if there is no foreign debt other than the credit record at present, when the debt snowballs are getting bigger and bigger, the pressure on foreign debt comes. Moreover, the debts at this time are borrowed after marriage, and it is necessary to take great pains to prove that non-marital debts are not shared.
For another example, the other party's debt exists in the form of a credit card, and the routine of repaying the card is played. Then, all the credit card limits that are overdrawn in the back also occur after marriage, and premarital debts are also easy to become postmarital debts.
There are a few darker ones, and even hope to reduce their burden by getting married and turning their personal debts into common debts.
2. Overdue. There is a length of overdue, the overdue here is first said to be overdue within one month to the first half of the year, that is, there is already an overdue mark on the credit report but there is no blacklist overdue. The impact of this overdue is that if it occurs in the near future or there are multiple overdues, it is almost impossible to make bank loans such as mortgages and car loans. If you plan to buy a house immediately after marriage, it will inevitably be a quarrel.
Moreover, if it is currently overdue, it is possible that the other party's finances have collapsed, and all the "generosity" in front of you before is hard support.
3. Blacklist. The problem is big, and there are many other restrictions besides not being able to take out loans from formal institutions. For example, you cannot and cannot choose the second class or above of airplanes, high-speed railways, trains, and ships; you cannot spend high money in hotels, hotels, nightclubs, golf courses and other places above the star level; you cannot buy real estate or new houses, expanded houses, high-end decoration houses; you cannot rent high-end office buildings, hotels, apartments and other places to work; you cannot buy non-operating vehicles; you cannot travel and vacation; you cannot pay high premiums to buy insurance and wealth management products; and your children cannot attend high-consumption private schools.
In addition, where judgment defaulters are natural persons, they must not serve as the legally-designated representative, director, supervisor, senior management personnel, and so forth of the enterprise.
Although these are only punishments for the untrustworthy individuals, the formation of a marriage relationship will inevitably be affected. It's like a place to live, it can't be a good place for him, but you can live unless you want to live separately; it's like traveling together or going back to your hometown, you can't take the high-speed train and plane, you don't have to accompany it; it's like you want to travel, but you can't have your own other half around.
This feeling is definitely not good.
Moreover, many better units now have background checks when they are hired or promoted, and they will generally look at credit reports. If your other half is blacklisted, his future will definitely be limited, and you need to be patient enough to tolerate it.
Some people will say: If you really find the above problems in the credit report for a few years of love, will it end it?
How to say it?
Now that credit reporting is becoming more and more important, inquiring about each other's credit before marriage is equivalent to giving each other a right to know, because behind this right to know is the problem that needs to be faced together in the future.
At the same time, this right to know is also a more thorough confession, after which the choice is given to the other party. You can choose to face the rest of your life together, but you can't kidnap the rest of each other's lives on the grounds of "years of feelings", otherwise, this love is also mixed with "selfishness".
In addition, at this time, there is no harm in checking the credit report, and you can even understand and deal with the trouble in time.
For example, in case of a fraudulent loan or credit card application, it can be found in time;
For example, if you want to buy a house after marriage, but the other half of the credit report currently has a small overdue, you can take measures to change the order, buy a house first and then get married, which can improve the probability of mortgage approval.
Before the car and horse were slow, everything was simple, a lifetime was only enough to love one person, the rest of life was very long, you can slowly understand and slowly run in and slowly adapt...
Now the society is very impetuous, perhaps it is said that the good white head to the old, in the blink of an eye will run to things. Under the same roof, it is not necessary to really understand; that paper certificate is not a guarantee of the sea of dead stones. However, the various intricate legal relationships brought about by this paper certificate cannot be revoked casually.
Therefore, just as the marriage examination can better understand the physical condition of the other half, the premarital inquiry of the other party's credit can better understand the financial situation of the other party.
This has nothing to do with trust, it is about life, the real married life precipitated from love and romance.
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