If the borrower borrows the joint debt of husband and wife in his own name (approved by the other party of the husband and wife relationship), then the surviving party must be jointly and severally liable for the debt and have the obligation to repay it. If the deceased borrows personal debts in his own name, then the other party certainly has no obligation to repay them. Therefore, if it is a joint debt of husband and wife, the creditor can ask the surviving party to repay the debt, and if it belongs to husband and wife, it will be paid off by the estate of the deceased party.

Legal basis:

People's Republic of China (PRC) Commercial Bank Law

Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.

Article 39 A commercial bank shall abide by the following provisions on the management of asset-liability ratio when granting loans:

(1) The capital adequacy ratio shall not be less than 8%.

(2) The ratio of loan balance to deposit balance shall not exceed 75%;

(3) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%.

(4) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%.

(5) Other provisions of the State Council Banking Regulatory Authority on asset-liability ratio management.

If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.