The debt owed by cheating on his wife should be paid by her husband alone. The crime of defrauding loans refers to the act of obtaining loans from banks or other financial institutions by deception, which causes heavy losses to banks or other financial institutions or has other serious circumstances. The statutory punishment for this crime is: fixed-term imprisonment of not more than three years or criminal detention, and a fine or a single fine; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. This crime is different from loan fraud.

legal ground

Article 1064 of the Civil Code of People's Republic of China (PRC) * * * Debts owed by husband and wife * * * If one party signs or ratifies the debt in the same way afterwards, the debts incurred by one party in his own name for the needs of family daily life during the marriage relationship belong to the same debt of husband and wife.

Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.