Housing loans require the presence of both husband and wife, because if the buyers in the contract are husband and wife, both parties need to sign. If only one of them is also the name of one person in the housing contract, then one of them will sign, and the other, as a borrower, will also need to provide personal information for the bank's review. It is best to go to the bank to sign the loan. The amount of loan applied for buying a house is relatively high. Banks should not only consider the individual's repayment ability, but also consider the family's debt situation, so they pay more attention to the income and personal credit information of both husband and wife.

Does the loan have to be in the husband-and-wife bank? Buying a house with a loan depends on the bank flow of both husband and wife. For reference, if the bank flow provided by one spouse has met the requirements of the bank and has sufficient repayment ability, it is also possible to provide only one spouse's bank flow. However, in order to apply for more loan amount and choose lower loan interest, if both husband and wife have jobs, it is best to provide two people with bank running water, which can increase the chances of winning their own mortgage. Please consult the bank for details.

Do you have to face the loan? Because face-to-face interviews are needed in the process of lending, some banks will conduct face recognition, which is to prevent others from impersonating loans after obtaining user identity information, on the one hand, to reduce the risk of lending, and on the other hand, to protect the legitimate rights and interests of applicants.

The above is the relevant answer about whether the husband and wife must be present at the house loan. When buying a house during the marriage and applying for a mortgage loan, both husband and wife must go through the relevant formalities at the scene, because the debts involving both husband and wife need to be signed by both husband and wife before they can be handled.