Legal analysis: First of all, it depends on whether the certificate of deposit belongs to the pledgor's personal certificate of deposit. If the personal time deposit certificate is pledged, the signature of the spouse is not required. As long as I fill out the application form. However, according to relevant laws and regulations, spouses have the right to agree or refuse to increase family debts, and so does the mortgage of real estate, even if the certificate of deposit and the real estate are in the name of individuals.

Legal basis: Article 2 Pledged loan (hereinafter referred to as pledged loan) refers to the loan business in which a borrower takes an unexpired personal time deposit certificate as a pledge to obtain a certain amount of RMB loan from a commercial bank (hereinafter referred to as the lender), and the borrower repays the principal and interest at maturity.

Article 1064 of the Civil Code of People's Republic of China (PRC) * * * Debts incurred by both husband and wife with the same signature or later ratified by one of the husband and wife, and debts incurred by one of the husband and wife in his own name for the daily life of the family during the marriage relationship belong to the same debt of the husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint 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.