Legal analysis: 1. If the husband's loan is used for family life and joint business, it belongs to the joint debt of husband and wife, and the wife has the responsibility to repay it within the scope of the joint property of husband and wife. 2. If the husband borrows money for personal expenses or engages in illegal activities, such as gambling and usury, and the wife doesn't know about the husband's loan, it belongs to the husband's personal debt, and the wife has no repayment responsibility. If the husband's loan occurs before marriage, it is also his personal debt, and the wife is not responsible for repayment. 4. If there is an agreement between husband and wife on the distribution and ownership of property during the marriage relationship: each property belongs to its own, and each debt bears its own responsibilities, then the wife does not have to bear the responsibility for repayment.

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

Article 189 Where a creditor requests the debtor to pay money or negotiable securities and meets the following conditions, it may apply to the grassroots people's court with jurisdiction for a payment order:

(1) There is no other debt dispute between the creditor and the debtor;

(2) Payment orders can be served on the debtor.

Article 191 The debtor shall pay off the debt within 15 days from the date of receiving the payment order, or file a written objection with the people's court. If the debtor fails to raise any objection and fulfill the payment order within the time limit specified in the preceding paragraph, the creditor may apply to the people's court for compulsory execution. In order to make the application for payment order play its due role, creditors should make the following preparations before applying to the court for payment order: first, straighten out the relationship between creditor's rights and debts and submit written creditor's rights and debts documents; Second, if there is no debt, a written certificate indicating the amount owed or securities should be issued to the debtor; The third is to verify the debtor's name, location and other basic information so that the payment order can be served on the debtor.