According to the relevant laws and regulations, during the existence of the relationship between husband and wife, if one party engages in self-employed or contracted business, his income shall be the property jointly owned by the husband and wife, and his debts shall also be paid off with the property jointly owned by the husband and wife. "It can be seen that during the marriage, the labor income of either party or both parties belongs to the husband and wife, and the debts owed by the business should also be shared with the property. The husband borrows the online loan without his wife's knowledge, and uses it for the husband and wife to live and operate together. The wife has the obligation to help. If one of the husband and wife can prove that the creditor and the debtor have clearly agreed to be personal debts, that is, if the third party knows the agreement, it will be paid off with the property owned by one of the husband and wife. The husband borrows money without his wife's knowledge, not for the husband and wife to live and run together. A wife has no obligation to repay debts on behalf of her husband.

legal ground

According to article 1064 of the Code Law of People's Republic of China (PRC) and the State, the debts incurred by both husband and wife with the same signature or with the same meaning after ratification by one party, during the marriage relationship, the debts incurred by one party in his own name for the daily needs of the family belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.