Legal analysis: No. During the marriage, borrowing from the bank is a joint debt of husband and wife, and the property also belongs to the joint property of husband and wife. In principle, the debts incurred by one spouse before marriage belong to personal debts, and the repayment is limited to personal property; The debts established during the marriage relationship are joint debts of husband and wife, which are repaid by the joint property of husband and wife. The husband's bad credit record will really affect the spouse's application for a loan to buy a house.

Legal Basis: "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Dishonesty" Article 1 If the executed person fails to fulfill the obligations specified in the effective legal documents and has one of the following circumstances, the people's court shall include him in the list of executed persons with dishonesty and impose credit punishment on him according to law: (1) List of executed persons with dishonesty;

1, has the ability to perform but refuses to perform the obligations specified in the effective legal documents;

2. Obstructing or resisting execution by forging evidence, violence or threats;

3. Evading execution by means of false litigation, false arbitration or concealing or transferring property;

4. Violation of the property reporting system;

5. Violation of consumption restriction orders;

6. Refusing to perform the settlement agreement without justifiable reasons.

Article 3 of the Provisions of the Supreme People's Court Municipality on Restricting the High Consumption and Related Consumption of the Executed Person, if the executed person is a natural person, he shall not have the following high consumption and unnecessary consumption behaviors after taking the consumption restriction measures: (1) When taking the means of transportation, choose the second-class or above cabin of the plane, train soft berth and ship; (two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level; (three) the purchase of real estate or new construction, expansion, high-grade decoration of housing; Lease high-grade office buildings, hotels, apartments and other places to work; (5) Purchasing non-essential vehicles; (6) Travel and vacation; (seven) children attending private schools with high fees; (8) Paying high premiums to purchase insurance wealth management products; (9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and seats above the first class of other EMU trains.