Legal analysis: a person. Only one person's name can be written, because mortgage purchase can only be handled according to the principle that whoever borrows money signs it, so as to ensure that the signatures on the purchase contract, loan contract and real estate license are unified, on the grounds of avoiding the loan risk of banks.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 671 Where the lender provides the loan on the agreed date and amount, thereby causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.