Legal analysis: Under normal circumstances, the debt owed by one spouse will not affect the loan of the other spouse. However, there are several special cases. First, because the debtor is on the list of untrustworthy people, if the other party wants to borrow money to buy a house or a car together, the bank loan will not be issued; The other is that one of the husband and wife got a loan from the bank. At this time, if the other party intends to buy a house or car for common use, the bank may not issue a loan.

Legal Basis: Interpretation of the Supreme People's Court on Relevant Issues Concerning the Application of Laws in the Trial of Cases Involving Debt Disputes between Husband and Wife Article 3 If the creditor claims that the debts incurred by the husband and wife in their own names exceed the daily needs of the family during the marriage relationship, the people's court will not support them, except that the creditor can prove that the debts are used for the husband and wife's common life, joint production and operation, or based on the common intention of both husband and wife.