the loan for buying a house after marriage needs to be signed by both husband and wife, because it belongs to the same debt of husband and wife; Full house mortgage loan: If the property belongs to the husband and wife, both parties should sign it; Any loan after marriage, unless it is notarized that it has nothing to do with life, is regarded as the same debt and needs to be signed by both parties; Private loans also need to be signed by husband and wife to prove that the debt means the same thing; If the bank loan repayment is a loan applied by both parties, both husband and wife must be present to sign the repayment.

Legal effect of marriage certificate:

1. Prove the legality of marriage relationship; Once the marriage relationship is registered, it is protected by law;

2. When the husband and wife share the same property, the marriage certificate is an important proof document;

3. Marriage certificate is a necessary document when handling all kinds of formalities related to marital status;

4. When one spouse enjoys the social security benefits of the other spouse, the marriage certificate is a necessary voucher;

5. Marriage certificate can be used as an important reference in legal affairs such as child support and inheritance rights.

To sum up, whether it is a marriage certificate loan, a house loan after marriage, a full mortgage loan or a private loan, both husband and wife need to sign it to prove that the debt means the same thing. In addition, for bank loans applied by both parties, both husband and wife must be present to sign the repayment.

Legal basis:

Article 164 of the Civil Code of the People's Republic of China

Debts incurred by both husband and wife who * * * sign the same name or one of them later ratify the same meaning, as well as debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship, belong to the same debt. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family do not belong to the same debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.