收入不错的话，贷款买个车，只要准时还款，半年左右credit就上去了。不想贷款可以lease辆车。

If you plan to buy a house in half a year, and you do need to buy a new car, buy it now. After paying car loan on time for 6 months, your credit score will be same or even better.

The potential problem is not credit score, but the DTI ratio (debt to income). When you apply for mortgage, the DTI ratio will determine how much money you car borrow. If your income is high enough, the monthly car-loan payment may not matter that much though.

In addition, yes, your husband can apply for car loan himself, and you can apply for mortgage as the sole borrower. They will check the credit score of mortgage borrower(s).

你这个情况先买房，因为你贷款买车之后你每个月就有debt，这样房子能贷到的钱就少了，如果实在着急用车，可以长租一阵子车，比短租便宜很多，如果不是那么着急，等买了房子再说。