Legal analysis: if a husband and wife borrow money together, they should sign it jointly, or they can sign it with the consent of one party. Protecting the joint property of husband and wife requires the consent of both parties.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 299 Co-owners by shares shall jointly enjoy the ownership of the jointly owned immovable property or movable property.

Article 301 Disposal of jointly owned immovable property or chattel, major repair, change of nature or use of jointly owned immovable property or chattel, shall be subject to the consent of the co-owners or all co-owners, accounting for more than two thirds, unless otherwise agreed by the co-owners.

Article 1064 Debts jointly signed by husband and wife or ratified by one of them afterwards, as well as debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship, are joint debts of husband and wife.