As for the issue of bank loan signatures, it needs to be considered in two situations:

1. Bank loans that require signatures from both spouses: If you buy a house after getting married, write the names of both parties. If you want a loan, it must be signed by both parties. And there are regulations that the current mortgage purchase of a house requires not only the signature of the couple, but also the couple must sign on site for confirmation. Both parties have the right to know about the joint property and debts of husband and wife. After getting married, if you want to obtain a loan by mortgaging real estate out of necessity, both spouses will also need to sign for confirmation.

2. Bank loans that do not require the signature of both spouses: For small loans, there is no need for signatures of both spouses. You do not need to go to the bank. You can also obtain a certain amount of loan through the APP of each bank. Basically Such business is also carried out based on credit card business.

What is a bank loan interview?

A house purchase interview is also called a bank interview. It is to apply for a loan to buy a house from the bank. Applicants must prepare legal and valid original documents, seals and processing fees. , go to the application bank for an interview and signature. It is an important part of getting a loan to buy a house.

What issues should be paid attention to during the bank loan interview?

1. Credit report

No matter whether you are making any form of loan, the credit report of the lender is needs to be queried. If the borrower is married, both spouses’ credit reports will be checked.

2. Understand the interview process

The interview is an important part of the process of buying a house with a loan. You must understand the entire process clearly before the interview, so that you can better pass the interview.

3. Arrive at the interview location on time

Before the interview, the staff will agree with you on the time and location, so be sure to arrive on time so that the loan can be processed faster .

4. Apply in person

It is best to do the interview in person, this is very important. It is also recommended to apply for a bank card in advance for loan-related transactions, and do not use it for other purposes or deposit money in advance.