夫妻一方没有工作会不会影响另一方申请房贷-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	夫妻一方没有工作会不会影响另一方申请房贷
释义	律师分析: 夫妻一方没有工作会影响另一方申请房贷。银行审判贷款申请是会审查贷款人的偿还能力，对于夫妻贷款的会审查夫妻双方的还款能力，所以一方没有工作肯定会应当夫妻共同贷款。当然如果一方是申请个人贷款的，不会有影响。【法律依据】: 《中华人民共和国商业银行法》第七条商业银行开展信贷业务，应当严格审查借款人的资信，实行担保，保障按期收回贷款。商业银行依法向借款人收回到期贷款的本金和利息，受法律保护。
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