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Does the pre-marital mortgage loan need to be signed by both parties?
Legal analysis: both parties need to sign, because the mortgage loan after marriage belongs to both parties.

Legal basis: Article 395 of the Civil Code of People's Republic of China (PRC). The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(1) buildings and other ground attachments (2) the right to use construction land (3) the right to use sea areas (4) production equipment, raw materials, semi-finished products and products (5) buildings under construction, ships and aircraft (6) means of transportation (7) other properties that are not prohibited by laws and administrative regulations from being mortgaged.

The mortgagor may mortgage the property listed in the preceding paragraph together.