Legal analysis: If the husband’s loan is used for the family’s common life and business, then it is a joint debt between husband and wife, and the wife is within the scope of joint property between husband and wife. He has the responsibility to repay; if the husband borrows money for his personal expenses or engages in illegal activities, such as gambling or loan sharking, and the wife is unaware of her husband's borrowing, then this is a personal debt of the husband and the wife has no responsibility for repayment.

Legal basis: Article 1065 of the "People's Republic of China and Civil Code". Both men and women may agree that the property acquired during the marriage relationship and the property before marriage shall be owned by each other. All or parts are owned individually, and some are jointly owned. The agreement should be in writing. If there is no agreement or the agreement is unclear, the provisions of the law shall apply.

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

The husband and wife agree that the property acquired during the marriage shall be owned by each other. If the other party is aware of the agreement, the debts borne by the husband or wife shall be paid off with the personal property of the husband or wife.