2. Unless one of the spouses can prove that the creditor and the debtor have clearly agreed to be personal debts, or can prove that it belongs to the circumstances stipulated in the third paragraph of Article 19 of the Marriage Law. (Husband and wife agree that the property acquired during the marriage relationship belongs to each other, and if the debt owed by one spouse to the outside world is known to a third person, it shall be paid off with the property owned by one spouse.
3. The husband dies by borrowing money without the wife's knowledge, and the loan is not used for the husband and wife to live and operate together, so the wife has no obligation to repay the debt on her husband's behalf.
4. When the husband and wife divorce, during the marriage, the husband borrows money without the wife's knowledge, and it is not used for the husband and wife to live and operate together, and the wife does not need to repay the debt.
Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife.
The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family are not joint debts of the husband and wife; However, the creditor can prove that the debt is used for the husband and wife's common life, joint production and operation, or based on the common meaning of both husband and wife.