It depends: 1. Borrowing money to speculate in stock futures should generally be regarded as a joint debt of husband and wife, which should be repaid jointly by husband and wife. Two, if the husband and wife clearly agreed for personal debt, or the money is not used for the husband and wife to live together, it is not a joint debt. Article 1089 of the Civil Code: At the time of divorce, the joint debts of husband and wife shall be paid off jointly. If the joint property is insufficient to pay off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.