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When a husband goes to a credit cooperative for a loan, he needs his wife to provide his ID card and household registration book. Does the wife need to repay the loan?
It's not necessary.

When a husband goes to a credit cooperative for a loan, he can take his wife's ID card without it, but he needs a guarantor, who must have certain ability to repay the money. If his wife delays the guarantee, he needs his wife's ID card, but he also needs her to repay it.