1. The loan is made by the husband and wife during the marriage relationship, and one spouse may be required to bear the repayment responsibility;
2. It can execute its fixed property, mortgage loan can be deposit, bond maturity or other real estate.
It should be noted that even if the lender is imprisoned, the lending institution can bring a lawsuit in the court where he is imprisoned. At the same time, after the judgment takes effect, the lending institution may apply to the court for compulsory execution, and may execute all its personal property and the property jointly owned by the husband and wife.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 535 Where the debtor's delay in exercising his creditor's rights or subordinate rights related to the creditor's rights affects the realization of the creditor's due creditor's rights, the creditor may request the people's court to subrogate the debtor's rights in its own name, unless the rights belong exclusively to the debtor. The scope of subrogation is limited to the creditor's due creditor's rights. The necessary expenses for the creditor to exercise subrogation shall be borne by the debtor. The counterpart may claim the debtor's defense from the creditor.
Article 536 Where, before the expiration of the creditor's right, the limitation period of action for the creditor's right or the subordinate rights related to the creditor's right is about to expire or the bankruptcy creditor's right is not filed in time, which affects the realization of the creditor's right, the creditor may subrogate the debtor to perform, report to the bankruptcy administrator or take other necessary measures.
Article 552 Where the third person agreed with the debtor to join the debt and informed the creditor, or the third person indicated to the creditor that he was willing to join the debt, and the creditor did not explicitly refuse within a reasonable period, the creditor may request the third person to bear joint and several debts with the debtor within the scope of the debt he is willing to bear.
Article 524 Where the debtor fails to perform the debt and a third person has a legitimate interest in performing the debt, the third person has the right to perform it on his behalf. However, unless it can only be performed by the debtor according to the nature of the debt, the agreement of the parties or the law. After the creditor accepts the performance of the third party, its creditor's right to the debtor is transferred to the third party, unless otherwise agreed between the debtor and the third party.