No, the lender's loan is used between husband and wife, so both husband and wife are required to jointly guarantee, so both husband and wife have the obligation to repay together. Both husband and wife are required to guarantee the loan, because the lender is unable or defaults in repayment, and both husband and wife are responsible for the loan. The number of guarantors still depends on the specific loan purpose.

legal ground

People's Republic of China (PRC) Civil Code

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.