Legal analysis: after marriage, one spouse can get a loan from the bank, but when establishing a loan contract, if the bank allows both spouses to sign it together, it is to lock or fix the debtor's responsibility and ensure the recovery safety factor of loan funds. But even if both parties are not allowed to sign, and one of them signs, the other party will generally assume the obligation to repay the debt.

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

Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of 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.