Handling mortgage loans requires the signature of the property owner and his wife. Even if there is no other party's name on the real estate license, as long as it is a loan within marriage, two people need to sign it.

Bank loan mortgage with real estate license requires the signature of the owner of the real estate license. The specific process is as follows:

1. The materials required by the real estate management department for the mortgage of existing houses and forward houses are as follows

1, existing home mortgage

(1) Real estate mortgage contract (signed by both husband and wife);

(2) the house ownership certificate;

(3) Copy of land use right certificate (original inspection);

(4) A real estate appraisal report issued by a qualified appraisal agency;

(5) Bank loan contract;

(6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the household registration is located for singles.

2. Faster mortgage

(1) Purchase pre-sale contract;

(2) signing a house purchase loan contract with the bank;

(3) Copy of the house purchase prepayment receipt (original inspection);

(4) A copy of the marriage certificate of husband and wife (original inspection), a certificate issued by the civil affairs department where the household registration is located;

(5) A copy of the ID card of both husband and wife (original inspection).