Both husband and wife are jointly responsible for family finances, including loans. Only one party signs, and the other party will not bear the responsibility for the loan problems, which increases the risk of the lending institution. Lending institutions will evaluate the income and credit of both husband and wife to determine the repayment ability and credit risk. Only when one party signs, the lending institution cannot comprehensively evaluate the repayment ability and credit status of the family. Both husband and wife * * * own real estate, house or vehicle, and the loan opportunity requires both parties to sign, so as to ensure that all the property of * * * can be recovered in case of loan default or repayment default.