The purpose of your loan is to make the life of husband and wife better. This "business adventure" is to create wealth for both husband and wife. If it fails, your wife is responsible for sharing the debt with you, unless you have a marital property agreement.

If your wife doesn't want to take it, I suggest you file a divorce lawsuit with her.

Legal basis "Civil Code"

Article 1064 Debts of Husband and Wife * * * Debts with the same signature or ratified afterwards by one of the spouses, and debts incurred by one of the spouses in his own name for the daily needs of the family during the marriage relationship belong to the same debt of the 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.

Article 1065 Husband and wife agree on the property system. Both men and women may agree that the property acquired during the marriage relationship and the property before marriage belong to themselves, all or part of it, and part of it. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1063rd of this Law shall apply.

The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties.

The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife.