Legal analysis: No, the bank can only deduct money from the repayment account of the loan. 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: Civil Code of People's Republic of China (PRC).

Article 1064 Debts incurred by the husband and wife who jointly sign or one of them ratifies afterwards, and debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship, are joint debts of the husband and wife.

Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.

Article 1065 A man and a woman may agree that the property acquired during the marriage relationship and the pre-marital property shall be owned separately or jointly, or partially or jointly. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1063rd of this Law shall apply.

The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties.

The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife.