The house belongs to both husband and wife, so both parties have the same right to dispose of it, and neither party can claim rights on behalf of the other. Therefore, if you want to mortgage the property jointly owned by husband and wife, you must get the written consent of someone.

Extended data:

Conditions for applying for real estate mortgage loan:

1. Applicant 18 years old or above;

2. Have a stable job and income and good personal credit;

3. Other conditions stipulated by the applicant bank;

4. Generally speaking, the age of the room should not be too high; (Generally, few banks will accept it for more than 20 years. )

5. It is generally required that the property cannot be mortgaged (or even if the mortgage loan has not been repaid), and the loan cannot be released unless the last loan can be repaid.

References:

Baidu encyclopedia-house mortgage bank loan