Under normal circumstances, when a bank lends money to a bank, it will require the other spouse to be the borrower or guarantor. In other words, if there is an agreement on the wife's responsibility in the loan contract, it shall be implemented according to the contract. If the bank does not require the woman to sign or take responsibility when using the mortgage loan, it is necessary to analyze and judge the situation at this time. Under normal circumstances, this debt will be regarded as a joint debt of husband and wife, and the woman will also have half of the repayment responsibility when divorced. Of course, if the woman has evidence to prove that the loan is not for family life or the bank knows that the loan is for the man personally, the woman does not have to bear the repayment responsibility.