It depends on the purpose of the loan. If it is used for family expenses or common living expenses, it belongs to joint debt. At the time of divorce, the debts originally incurred by the husband and wife living together shall be paid off jointly. If the joint property is insufficient to pay off, or if the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.

Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit status without providing guarantees. When banks apply for personal loans, banks have requirements on the use of loan funds.

The general bank will stipulate that the loan applicant shall not use the loan funds in the production, operation and investment fields explicitly prohibited by the CBRC, and the borrower shall provide a certificate or statement on the use of the funds.

Application conditions:

1. China citizens with permanent residence in China, permanent residence in cities and towns and full capacity for civil conduct;

2. Have a good legal occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;

3. Abide by the law and have no illegal acts and bad credit records;

4. Obtain the personal credit rating of China Industrial and Commercial Bank of China above Grade A;

5. Open a personal settlement account in China Industrial and Commercial Bank;

6. Other conditions stipulated by the bank.

In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:

(1) is the middle and senior managers and senior professional technicians of high-quality corporate customers of banks;

(2) The individual's own assets are more than 2 million yuan (inclusive);

(3) Peony Platinum Card customers;

(4) Having held the personal wealth management account of the Bank for more than 1 year (inclusive), and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);

(5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).

Borrowing refers to the funds borrowed by enterprises from banks and other financial institutions and other units, including credit loans, mortgage loans and trust loans. Borrowing can also refer to the funds borrowed by a person from financial institutions such as banks and other units and individuals, including credit loans, mortgage loans and trust loans.