Legal analysis: This is necessary. If two people are legally married, they must have relevant information and credit reports. When the bank runs dry, only the main lender is needed. No matter whether there is one or two husband and wife's names on the real estate license, both husband and wife must be present to sign the IOU, but if there is an agency agreement, the agent can sign it on his behalf. If the lender is unmarried, it is necessary to provide an unmarried certificate for one person to sign.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC) * * * The debts incurred by the husband and wife with the same signature or ratified by one of them afterwards, and the debts incurred by one of them in his own name for the daily life of the family during the marriage relationship, belong to the same debts 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.