Of course, it also depends on the type of loan. If you apply for a mortgage, you definitely need the documents and signatures of both husband and wife. Other loans are generally not needed. The problem that husband and wife need to pay attention to when borrowing money together is that the signing parties are present in person, and the preparation of documents is the key. The main loan is exquisite, the share is set in advance, and personal credit information is concerned. Many husbands make unreasonable loans without telling their wives, and ask their wives to bear the final repayment responsibility. This also violates the wife's right to dispose of property as a free individual, so it is necessary for the law and the bank to stipulate that if the husband borrows money in the name of the family, both certificates must be produced.

The Marriage Law stipulates that the property acquired by husband and wife during the marriage relationship belongs to each other, and if the third party knows the agreement, it will be paid off with the property owned by husband and wife.