1. The exemption condition of one spouse from the corresponding debt is that either the third party has been informed of the agreement that the property is owned by him alone and bears the debt alone, or the debt is not used for the married family to live together. If the creditor does not know the agreement on property between husband and wife, and the loan has indeed been used for married family life, it is listed as a joint debt of husband and wife, and both husband and wife should bear the responsibility for repayment.
2. Although the debts incurred by husband and wife in business cannot be regarded as debts incurred between husband and wife, they can be paid off by one party, but they must be based on the premise that one party independently raises funds to engage in business activities without the consent of the other party, and its income is not used for the debts incurred by husband and wife in life.