Will the money owed to the bank affect the family?

Owing money to the bank generally does not affect your family. Parents and children are independent civil subjects, each of whom bears civil liability for the civil acts in which they participate, and there is no legal joint and several liability relationship between parents and children. However, if an adult who cannot recognize his or her own behavior is a person with no capacity for civil conduct, the civil juristic act shall be carried out by his legal person.

[Legal basis].

Article 18 of the Civil Code provides that adults are persons with full capacity for civil conduct and may independently carry out civil juristic acts. Minors over the age of 16 who rely on their own labor income as their main livelihood** are to be regarded as persons with full capacity for civil conduct. Article 19 of the Civil Code: Minors over the age of eight are persons with limited capacity for civil conduct, and the implementation of civil juristic acts shall be carried out by their legally-prescribed **person** or with the consent and recognition of their legally-prescribed **person; However, they may independently carry out civil juristic acts that are purely beneficial or that are appropriate to their age and intelligence.

Article 21 of the Civil Code Adults who cannot recognize their own acts are persons without capacity for civil conduct, and their statutory **persons ** shall carry out civil juristic acts.

Owing money to the bank will not directly affect your family, but it will indirectly affect your family. It is mainly manifested in the impact of collection, the impact of credit investigation and the impact of security.

1. The bank will collect from your family through ** or text messages, causing trouble. If married, the spouse may also have joint responsibilities; 2. Owing money to the bank will affect personal credit, if the personal credit is not good, it will affect the personal credit business and account funds, and if it is serious, it will lead to the family being restricted from high consumption or affect the family to handle credit; 3. If the overdue period is serious, you may also be sued by the bank, and your family may also need to help you repay the debt, causing certain financial pressure.

Legal basis: Article 7 of the Law of the People's Republic of China on Commercial Banks to carry out credit business shall strictly examine the credit standing of the borrower and implement guarantees to ensure that the loan is recovered on time. Commercial banks shall recover the principal and interest of the loans due from the borrowers in accordance with the law, and shall be protected by law.

Paying less money to the bank generally does not affect the family, but it may affect the joint property with the family, especially the spouse. Because the bank can file a lawsuit in court to enforce the borrower's personal property, the portion of the joint property belonging to the borrower will be used to repay the debt.

If the credit of the individual is damaged due to the failure to repay the loan on time, it may also affect the economic activities of the spouse and immediate family members, that is, it is difficult for the individual to apply for bank loans, and it is difficult for the spouse and immediate family members to apply for bank loans in the future.

Legal basis: Article 1064 of the Civil Code: Debts borne by the husband and wife in the joint signature of the husband and wife or by one of the husband and wife after the fact, as well as debts incurred by one of the husband and wife in his or her own name for the daily needs of the family during the existence of the marital relationship, are joint debts of the husband and wife.

Debts incurred by one of the spouses in his or her own name during the existence of the marital relationship in excess of the daily needs of the family are not joint debts of the husband and wife; However, the creditor can prove that the debt was used for the husband and wife's common life, joint production and business, or based on the common intention of the husband and wife.

Article 675:The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

1。The bank will collect the money from your family through ** or text message, causing trouble. If married, the spouse may also have joint responsibilities; Cha sedan chair.

2。Owing money to the bank will affect personal credit information, if the personal credit is not good, it will affect the personal credit business and account funds, and in serious cases, it will lead to family members being restricted from high consumption or affect family members to apply for credit.

3。If the overdue period is serious, you may also be sued by the bank, and your family can also help you repay your debts, causing a certain amount of financial pressure.