Legal analysis: if the loan is used for the husband and wife's common life, whether the woman knows it or not, the debt belongs to the husband and wife's joint debt, and the woman needs to repay the debt; If the loan is not used for the husband and wife to live together, for example, if the man is used for gambling, the woman does not need to repay the debt.

Legal basis: Article 1062 of the Civil Code of People's Republic of China (PRC), the following property acquired by husband and wife during the marriage relationship is the joint property of husband and wife, which is jointly owned by husband and wife:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;

(5) Other property that should be jointly owned. Husband and wife have equal rights to dispose of common property.