Article 1064 of the Civil Code stipulates that the debts incurred by both husband and wife with the same signature or with the same meaning after ratification by one party, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife.

The most important basis and standard to judge whether the debt of one spouse should be regarded as the same debt of husband and wife is whether the debt is used for the husband and wife to live together. For a large number of debts that are not used by husband and wife to live together, they should be recognized as personal debts of borrowers, not husband and wife debts.

The wife gave her parents a loan to buy a house and finally registered her father's name. Obviously, the loan is not used for husband and wife to live together. This loan can only be counted as the wife's personal debt, and the husband has no obligation to repay it. When hearing such cases, the court will also examine the borrower, time, amount and purpose of the loan.

In addition, for banks, if you want to add your husband to the debtor, the necessary element is that your husband signs a loan contract. According to Article 1 of the Supreme People's Court's Interpretation on Relevant Issues Concerning the Application of Laws in the Trial of Husband and Wife Debt Disputes, the debts signed by both spouses or ratified by one spouse afterwards shall be recognized as joint debts of husband and wife.

As long as the husband doesn't sign the wife's loan contract, the bank can't add the husband as the repayment target. In this case, the loan that the wife gets from the bank is definitely not a mortgage loan, because the mortgage loan must be applied by the owner himself. Usually, the wife borrows a personal consumption loan. At present, banks only need borrowers to sign personal consumption loans. Moreover, consumer loans to buy a house are in violation of regulatory requirements, and banks generally cannot go to their husbands to pay back the money.