Buying a house with a loan generally does not require a guarantor’s signature. It mainly depends on whether you or your wife’s bank statement is sufficient. In addition, you should check whether your personal credit record has bad records, your credit is good, and your statement is sufficient. If you also have proof of income, your application for a housing loan may be approved directly by the banking system. Under normal circumstances, there is no need to find a guarantor to sign. If your credit report is not good and your current account is insufficient, it may not be possible to apply for a housing loan if you find someone to guarantee it.