Legal analysis: Whether the other party needs to bear the obligation to repay the loan depends on whether the loan is used for the family's daily life and business needs. Debts borne by both spouses with the same consent, such as signatures or subsequent ratification by one spouse, as well as debts borne by one spouse in his or her own name for the daily needs of the family during the marriage, belong to the couple. Same debt.

Legal basis: Article 1064 of the "People's Republic of China and Civil Code" Debts, as well as debts borne by one spouse in his own name for the daily needs of the family during the marriage, are joint debts of the couple. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debt is used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses.