Hello, not necessarily. Husband and wife * * * with debt is divided into three categories, * * * with signature is just one of them.
If the loan is ratified by the wife afterwards, or the money is used for the daily needs of the family, or the creditor has evidence to prove that the debt is used for the life of the family, the production and operation of the family, or because both husband and wife express the same meaning, it can also be regarded as the debt of the husband and wife, and the wife is responsible for repayment.
If you have any other questions or need help, please contact us. Family lawyers focus on marriage and family affairs.
Relevant laws and regulations
Article 1064 of the Civil Code: The debts incurred by both husband and wife with the same signature or by one party with the same meaning afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debts 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.
Second, does the husband have the responsibility to repay the loan if the wife does not sign it?
Husband loan depends on the situation:
1. If the loan is used for the husband's personal consumption and for the family consumption, the wife must bear joint and several repayment responsibilities;
2. However, if the husband and wife agree that the property acquired during the marriage relationship is a debt owed to the outside world, and the third party knows this agreement, it shall be paid off with the property owned by the husband and wife.
What are the procedures for personal credit loans?
1. When applying for a credit loan, other financial institutions shall submit the application and fill in the loan application form;
2, examination and approval, bank or other financial records and other materials for review;
3. Credit evaluation: The overall qualification of the borrower includes credit record and social credit;
4. signature. After approval, the borrower signs a loan agreement with the bank, and the bank issues loans.
5. Lending: the loan financing institution applies for payment, and finally it is sent to the borrower's bank card.
Legal basis: Article 674th of the Civil Code of People's Republic of China (PRC).
The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if it is less than one year, it shall be paid together with the loan.
Article 675
Borrow and repay loans. If there is no agreement or the agreement is unclear, the 510th person may return it at any time in accordance with this Law. Lenders can demand repayment.
3. Why don't some loans require the signature of the spouse?
It is a personal pure credit loan without a spouse's signature, and the amount is lower than that signed by two people. The bank now has a personal credit loan, which does not require the signature of the spouse. Because of its simple procedures, pure credit, no mortgage and no guarantee, it is a very popular credit loan.
The borrower only needs to bring his valid ID card to the outlet to find the credit manager to handle it quickly. The general amount is within100000, but the credit must be good, and there can be no overdue.
Fourth, the husband loan wife didn't sign it.
According to the corresponding regulations of bank loans: the husband can't borrow money without the wife's signature!