Your question may be whether the loan is effective for both husband and wife. This actually involves the problem of husband and wife sharing debts. Only the husband signs the IOU, which will really bring unnecessary trouble to the determination of whether the debt belongs to the husband and wife. According to the judicial interpretation of the Supreme Court, only the husband and wife agree to live together for the sake of * * * and to jointly produce and operate for * * * is the debt of husband and wife. So you can ask your wife to sign again, or take evidence (you can record it) to prove that the loan is also her consent.