Legal analysis: during the marriage relationship, the mortgage assumed by the purchase of common housing belongs to the joint debt of husband and wife, and both husband and wife have the obligation to repay. In other words, when the husband fails to repay the mortgage, the bank has the right to ask both husband and wife to share the responsibility.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family are not joint debts of the husband and wife; However, the creditor can prove that the debt is used for the husband and wife's common life, joint production and operation, or based on the common meaning of both husband and wife.