Husband and wife are jointly and severally liable for foreign debts. The husband is blacklisted, the wife can't get a loan when she applies for a loan from the bank, and the child can't go to a private school.

If the person subjected to execution is a natural person, after taking measures to restrict consumption, he shall not have the following high-consumption and non-essential consumption behaviors for life and work:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Pay a high premium to buy insurance wealth management products.

In principle, the debts established by one of the spouses before marriage are personal debts, and the repayment is limited to personal property; The debts established during the marriage relationship are joint debts of the husband and wife, and the husband and wife have property to repay. During marriage, bank loans are the same debt for couples. If the husband's credit record is bad, it shows that the husband's sense of repayment is not strong, and banks need to bear the risk of non-performing loans when issuing loans to such customers. Because in the event of bad debts, banks have to recover loans from both husband and wife at the same time. Therefore, people with poor credit information will directly affect spouse loans.

Article 1062 of the Civil Code of People's Republic of China (PRC) * * * The following property acquired by husband and wife during the marriage relationship is the common property of husband and wife and belongs to both husband and wife * * *:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;

(five) other property that should be owned by * * *.

Husband and wife have equal rights to dispose of the same property. Article 1063 The following property is the personal property of one of the spouses:

(1) one party's premarital property;

(2) Compensation or compensation obtained by one party for personal injury;

(3) Property that is determined to belong to only one party in the will or gift contract;

(4) Daily necessities used exclusively by one party;

(five) other property that should be owned by one party. Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and 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 of husband and wife.

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.