这样可以更方便的保护你个人的贷款记录。
It can also make it easier to preserve your own, separate, credit history.
银行要查询借款人公开的贷款记录来认定是否为二套房贷款。
Banks rely on the public credit registries system to define whether a loan is for a first house or a second house.
如果没有，而且你想用你配偶的贷款记录去建立你自己的，请告诉贷款人将你们的名字共同体现在帐户上。
If not, and you want to use your spouse's credit history to build your own, write to the creditor and request the account be reported in both names.
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