Legal analysis: owing bank loans will not affect the economic activities of their spouses and immediate family members, that is, individuals can no longer apply for loans, and spouses and immediate family members can no longer apply for loans. If the lender has no repayment ability, it should take the initiative to contact the bank to negotiate, extend the repayment time or go through the repayment procedures by installments.

Legal basis: Article 39 of the Interim Measures for the Administration of Personal Loans may be extended with the consent of the lender. For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety.