If the husband's loan is a personal debt, the wife's signature is not required. If it is signed by the wife, it should be treated as husband and wife in the same debt, and the wife has the obligation to repay.
If the husband and wife are in the same debt, as long as the creditor has evidence to prove that the husband and wife are in the same debt, even if the wife does not sign it, she must bear the obligation to repay.
legal ground
According to Article 1064 of the Civil Code, the debts incurred by both husband and wife with the same signature or with the same meaning after ratification by one party, as well as the debts incurred by one party in his own name for the daily life 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.