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The bank car loan is not approved, and both husband and wife sign it.
It depends on what kind of loan. If it's a mortgage, that's for sure. The reason is that 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.