Does the mortgage of the house need two signatures? Not necessarily. Mortgage does not need the signature of both husband and wife, as long as it is used as collateral for husband and wife's property, it must be signed. Article 32 of the Measures for the Administration of Urban Real Estate Mortgage stipulates that when the house is mortgaged, if the house has been occupied by * * * people, and the house ownership certificate and other * * * people agree to mortgage, that is, the house is jointly owned by husband and wife, and signature is required. If the house is just a couple's private property, only the owner needs to sign the mortgage.

What are the characteristics of property mortgage? 1. House mortgage is the guarantee of the original creditor-debtor relationship, which is the master contract, while house mortgage is the slave contract, and its establishment is based on the legal and effective existence of the original master contract.

2. The mortgaged house can be owned by the mortgagor, or it can be owned by the mortgagor, generally owned by the mortgagor. The trustee shall carefully maintain the guaranteed house.

3. When one party is responsible for repayment, the mortgagor can directly exercise the mortgage right without relying on the debtor's behavior.

4. The collateral shall be the house, and the mortgagor may be the debtor or a third party. The mortgagor has the property right to the mortgaged house. The mortgaged house is state-owned, and the mortgagor has the right to dispose of the mortgaged house.

5. The establishment of housing mortgages is usually determined in writing, and its scope is clearly defined.

6. After the mortgagor mortgages the house, the property right of the house will not be lost, and the mortgagor shall bear the loss of the house by himself.

7. Housing mortgage loan is a kind of housing mortgages. Without the consent of the mortgagor, the mortgagor transfers the mortgaged house to a third person, and the mortgagor has the right of recourse to the mortgaged house, and the losses suffered by the mortgagor shall be borne by the mortgagor.

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