There is no shielding. When a husband and wife apply to the bank for a mortgage to buy a house, the bank will inquire about the credit information of both husband and wife. Too low credit will make it impossible to get a loan, so the credit will not be blocked. Tianjin, referred to as Jingu and Jinmen for short, is a provincial administrative region, municipality directly under the Central Government, national central city and megacity in People's Republic of China (PRC).