Legal analysis: No, if one of the spouses has a credit problem and the overdue period is serious, the bank will generally refuse to lend. Judging from the current bank loan policy, when handling housing loans, banks will check the personal credit information of buyers, and the quality of credit information will determine whether you can get loans. Husband and wife jointly borrow money to buy a house, and the bank will review the credit information of both husband and wife. Therefore, if you want to buy a house, the credit information of both husband and wife is very important.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.

Article 680 It is forbidden to lend at high interest, and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.