1. During the relationship between husband and wife, one of the spouses borrows money in his own name, which is generally recognized as the joint debt of the husband and wife except in extremely special circumstances.
2. During the existence of the relationship between husband and wife, one party is responsible for the debts of the other party, and the internal agreement between the two parties cannot be against a bona fide third party.
The following property acquired by the husband and wife during the marriage relationship is the common property of the husband and wife, which is jointly owned by the husband and wife:
1, salary, bonus and labor remuneration;
2. Income from production, operation and investment;
3. Intellectual property income;
4. Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;
5. Other properties that should be shared.
To sum up, as long as the money borrowed by the husband and wife is not divorced, the wife will bear joint and several liability. Even if there is an agreement between husband and wife to divide property and take care of debts, and the relevant notarization has been done, even if the house and part of the deposit are the wife's pre-marital property, if the wife can't prove that the creditor knows this agreement, the wife will repay it.
Legal basis:
Article 1064 of the Civil Code of People's Republic of China (PRC)
Debts jointly signed by husband and wife or ratified by one of them afterwards, as well as debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship, are joint debts of 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.