夫妻一方20万负债能办房贷吗 -夫妻共同债务-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	夫妻一方20万负债能办房贷吗 -夫妻共同债务
释义	法律分析：夫妻一方有负债对办理房贷是有影响的，在以家庭为单位购房的时候，夫妻双方的条件都是参考因素。但是具体还要看负债量，如果负债不高的话是不会交较大影响的，负债率不超过50%即可，如果超过了可能会导致房贷审批不通过，如果负债过高的话可以考虑添加担保人或是共同还款人解决。法律依据：《中华人民共和国民法典》第一千零八十九条离婚时，原为夫妻共同生活所负的债务，应当共同偿还。如共同财产不足清偿的或财产归各自所有的，由双方协议清偿，协议不成，由人民法院判决。
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