If the husband fails to repay the loan, the wife will still be responsible if she doesn't sign it and doesn't know. This is the property responsibility in marriage.

Second,

Third, the personal credit loan, the spouse has not signed, I wonder, will the spouse bear joint and several liability?

The judicial interpretation of the Marriage Law stipulates that debts claiming rights in the name of individuals shall be regarded as debts of husband and wife. However, unless one of the spouses can prove that the creditor and the debtor clearly agreed to be personal debts, or can prove that it belongs to the circumstances stipulated in the third paragraph of Article 19 of the Marriage Law. Therefore, the loan of one spouse is accepted, although it is not signed by the spouse.

Fourth, the personal credit loan, the spouse did not sign, I do not know, will the spouse bear joint and several liability?

It's possible.

Let's see what others say.