If one person did it, use one person's name. If it is a husband and wife loan, both parties must sign it on the spot. If a person borrows money, the lender's name is on the household registration book. If it is a loan from both parties, the house can be opened in large and small books, that is, the property certificate and the property certificate. In the case of property rights, each party holds one certificate.

Housing provident fund loan process:

Lenders applying for housing provident fund loans need to submit a written application to the bank;

For the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time;

The provident fund center is responsible for approving loans and informing the bank of the approval results in time;

The bank informs the applicant to go through the loan formalities according to the examination and approval results of the provident fund center, and the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.