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The {\it theory unifying spin and charges and predicting families}, proposedby N.S.M.B., predicts at the low energy regime two (in the mixing matrixelements decoupled) groups of four families. There are two kinds ofcontributions to mass matrices in this theory. One kind distinguishes on thetree level only among the members of one family, that is among the $u$-quark,$d$-quark, neutrino and electron, the left and right handed, while the otherkind distinguishes only among the families. Mass matrices for $d$-quarks andelectrons are on the tree level correspondingly strongly correlated and so aremass matrices for $u$-quarks and neutrinos, up to the term, the Majorana term,which is nonzero only for right handed neutrinos. Beyond the tree level bothkinds of contributions start to contribute coherently and it is expected that adetailed study of properties of mass matrices beyond the tree level explainsdrastic differences in masses and mixing matrices between quarks and leptons.We report in this paper on analysis of one loop corrections to the tree levelfermion masses and mixing matrices. Loop diagrams are mediated by the gaugebosons and the two kinds of scalar fields. A detailed numerical analysis offermion masses and mixing, including neutrinos, within this scenario is inprogress and preparation.

Masses and Mixing Matrices of Families of Quarks and Leptons Within the Spin-Charge-Family theory, predictions beyond the tree level