Legal analysis: the husband's bank has a loan, and whether the wife's house loan has an impact depends on the nature of the loan. Details are as follows: 1. If the husband and wife do not apply for a mortgage loan to buy a house, they will generally not be affected by the husband's bank loan. Communicate and deal with the details within the family in time so as not to affect the feelings of husband and wife; 2. But if the husband and wife apply for a mortgage to buy a house loan, the wife's house loan will be affected.

Legal basis: Article 412 of General Principles of Civil Law of People's Republic of China (PRC) * * * If the debtor fails to perform the due debts or realize the mortgage right according to the agreement of the parties, resulting in the collateral being sealed up by the people's court according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the collateral from the date of sealing up, except that the mortgagee has not notified the debtor who should pay off the legal fruits. The fruits specified in the preceding paragraph shall be used as the expenses for collecting fruits first.