A wife borrows money without her husband's knowledge. If the money is used for husband and wife to live together, the debt belongs to both husband and wife, and the husband has the responsibility to repay it. If the husband has evidence to prove that the debt is really not used for the husband and wife to live together, it belongs to the wife's personal debt, and the husband is not responsible for repayment. According to article 1089 of the Civil Code, both husband and wife should pay the same debt at the time of divorce. * * * If the same property is not paid off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.

Legal objectivity:

During the marriage relationship, does the debt incurred by one spouse in his own name belong to the same debt of husband and wife? In this regard, Article 24 of the Supreme People's Court's Interpretation on Several Issues Concerning the Application of the Marriage Law of the People's Republic of China stipulates: "Where a creditor claims rights to the debts incurred by one of the spouses in his own name during the marriage relationship, it shall be regarded as the debt of the husband and wife. However, unless one of the spouses can prove that the creditor and the debtor have 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. " That is to say, according to the above-mentioned judicial interpretation of the Supreme People's Court, the debts incurred by one party during the marriage relationship should be recognized as joint debts of husband and wife in principle, which should be repaid by both husband and wife. However, if one of the husband and wife can prove that the debt is really the debtor's personal debt, then the parties to the marriage relationship without debt can resist the creditor's request. There are two main situations that belong to personal debt. One is that the creditor and the debtor clearly agree that the debt belongs to personal debt; The other is the situation stipulated in Item 3 of Article 19 of the Marriage Law. The third paragraph of Article 19 of the Marriage Law stipulates that "the property acquired by husband and wife during the marriage relationship belongs to their own, and the debts incurred between husband and wife, if the third party knows that there is an agreement, shall be paid off with the property owned by husband and wife".