Legal analysis: there is only one lender for a couple to borrow money to buy a house. One party must be the main lender, and the other party can be the same lender regardless of whether the names of both parties should be written on the real estate license. The party with high and stable income should be selected as the main lender. Buying a house with a loan will not only involve signing a loan contract, but also involve many signing issues. This signature requires both husband and wife to be present at the same time. Because the mortgage is applied in the name of husband and wife, the bank will comprehensively examine the comprehensive qualifications of both husband and wife.

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

Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.