Legal analysis: it is ok for the borrower and his wife to sign the loan. If both husband and wife know about the loan, it's better for both parties to sign it, so that the husband and wife can be more sure of the same debt, which saves the trouble that the other party doesn't know that they are in the same debt in the future. As long as it is the expression of the true meaning of the parties, the content is legal and signed by the parties, it is legally binding and does not need special format; Even if there are formal defects in the IOUs or IOUs signed by the parties, it will not affect the court's trial of the case; The court will, in combination with other evidence, determine whether there is a loan relationship between "IOUs" or "receipts" with defects in form. At the same time, for cash delivery loans, we can comprehensively judge whether there is a legal and true creditor-debtor relationship between the two parties according to the delivery voucher, payment ability, trading habits, loan amount, the relationship between the parties and the transaction details stated by the parties.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.