Does the house mortgage need the signature of both husband and wife? Housing mortgage refers to the property owned by married couples. To apply for a loan, both husband and wife must sign. And if the house is a party before marriage, then when signing, only the lender needs to sign, and his wife does not need to sign. For example, an individual applying for a house mortgage before marriage is a kind of private property before marriage, that is, when signing, as long as the lender signs. If both husband and wife apply for a housing loan after marriage, both parties must sign it.

The mortgage is signed by both husband and wife, so when one party signs, both parties have the obligation to repay the debt. Because it is clear that husband and wife have property in marriage, applications for personal loans such as mortgage and car loan are often signed by both husband and wife.

If the husband and wife sign an agreement, there will be a loan in their credit history. If it is overdue, it will affect the credit of both parties.

Housing mortgage loan Housing mortgage loan is a loan method which is guaranteed by the borrower's real estate, securities and other documents and guaranteed by law. This kind of loan is essentially that the debtor (mortgagor) transfers the property right of real estate to the creditor (mortgagor) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on time, the creditor has the right to dispose of the collateral and enjoy the priority of compensation. This lending method can reduce the loan risk of borrowers and provide the most powerful guarantee for creditors' repayment. Applying for mortgage loan is mainly to ensure the safety, liquidity and profitability of bank liquidity. Because this kind of mortgage loan is mainly aimed at individual families, the borrower's qualification and credit level are not easy to be known by banks, and the bank's lending risk will increase. Mortgage loan provides effective protection for creditors at this high risk time. Therefore, in individual housing loans, banks mostly take the form of mortgage.

Do the above mortgage loans need to be signed by both husband and wife and related contents of mortgage? I believe you already know something about this. I hope this article is helpful to you.