It doesn't have to be together. One person's signature is valid. If it is a mortgage or a family consumption loan, it belongs to both husband and wife and is repaid together. However, if one of the husband and wife exceeds the daily needs of the family in his own name during the marriage relationship, it does not belong to the same debt of the husband and wife and can only be repaid by the signatory. During the marital relationship between husband and wife, the debts incurred by one party in his own name shall be regarded as the same debts. Even in the event of divorce, if it is agreed that one party will repay the debt, the creditor has the right to ask both parties to jointly repay the debt.

1. Does the guarantor want to pay back the money?

If the borrower doesn't pay back the money, the guarantor will. According to the provisions of the guarantee law, the third party and the creditor agreed that when the debtor fails to perform the debt, the guarantor will perform the debt or assume the responsibility as agreed. The third party here is the guarantor, including legal persons, other organizations or citizens who have the ability to pay off debts on their behalf, and the creditors here are both creditors of the principal debt. Here-performing the debt or taking responsibility according to the agreement-is called guarantee debt, and some people call it guarantee responsibility.

Second, what is the repayment obligation?

If the loan applicant is unable to repay or refuses to repay, the creditor can directly recourse to the guarantor (that is, the guarantor), and the guarantor must unconditionally fulfill the repayment obligation. If the guarantor is unable to repay, the bank will offset it with the guarantor's property. Including valuables, real estate, frozen wages and so on.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC) * * * The debts incurred by the husband and wife with the same signature or ratified by one of them afterwards, and the debts incurred by one of them in his own name for the daily life of the family during the marriage relationship, belong to the same debts 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.