Legal analysis: it will have a certain impact. If the spouse is blacklisted by the bank, the other party's application for a loan will be affected. Buying a house and handling a mortgage are all based on the family; Therefore, if there is a problem with the credit record of either spouse, the bank will not accept the mortgage application of the whole family; At this point, the parties need to pay off the arrears immediately, pay the late fee and go through the formalities. After five years, the banking system will automatically clear the bad records of the parties, and then you can apply for a loan.

Legal basis: Article 3 of the Provisions of the Supreme People's Court Municipality on Restricting the High Consumption of the Executed Person is a natural person. After taking consumption restriction measures, there shall be no following high-consumption and non-essential consumption behaviors for life and work. When taking a means of transportation, you should choose the second-class or above cabins such as airplanes, soft sleeper trains and ships. High consumption in hotels, hotels, nightclubs, golf courses and other places above the star level; Purchase real estate or build, expand or decorate high-grade houses; Rent high-end office buildings, hotels, apartments and other places to work; Purchase non-operating vehicles; Travel, vacation; Private schools with high fees for children; Pay high premiums to buy insurance wealth management products; Take all seats on G-prefix EMU trains, first-class seats on other EMU trains and other non-essential consumption behaviors. If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not carry out the acts specified in the preceding paragraph after taking measures to restrict consumption. Anyone who uses personal property for private consumption to commit the acts mentioned in the preceding paragraph may apply to the enforcement court for enforcement. If the examination by the enforcement court is true, it shall be allowed.