Legal analysis: influential. Because the bank has entered the information of both husband and wife when handling the mortgage, if the mortgage is overdue, the bank credit information system will automatically record bad records.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.