1. If one spouse, loans overdue, fails to repay the loan, it will affect the other spouse. Generally speaking, the husband and wife as a whole, the other side of loans overdue, even if the other lender has a good credit record, the bank will doubt the repayment ability and credit degree of this family, and will be more cautious in lending, even not giving this individual a loan.

2. According to Article 1064 of the Civil Code of People's Republic of China (PRC), the debts incurred by both husband and wife with the same signature or by one party after the event of ratification, as well as the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.