My name is not on the real estate license, but my wife said I could just sign the IOU. Because applying for a personal loan does not require the signature of both husband and wife, but only the signature of the lender himself. However, if a family applies for a mortgage or car loan, even if both husband and wife do not submit a loan application, they must sign it. Because it is the joint responsibility of husband and wife to apply for a loan on a family basis, both parties must know the existence of this loan. According to Article 1065 of the Civil Code of People's Republic of China (PRC), both men and women can agree that the property acquired during the marriage relationship and the pre-marital property are owned by themselves, * * * all or part of them are owned by themselves, and some are owned by * * *. The agreement shall be in writing.