My wife and I would try to get a home loan soon. I have very good credit and my wife is mauvais.Nous’ll put in my name only for low interest rates. The only thing is that we are paying a car loan and share it. With the car in my name can also be considered ready cunsultant that the debt car go completely against my debt / income ratio, as it paid for the car? Or we can include income from my wife for the car loan, so it does not like what I look like monthly debt?