1. Does the husband and wife need to sign the loan?

If it is a mortgage, it needs to be signed by both husband and wife. Other loans are not needed.

2. Does the mortgage loan need to be signed by both husband and wife?

The reasons why the mortgage loan needs to be signed by both husband and wife are as follows:

1. When handling the mortgage loan, it is necessary because it involves the distribution of property between husband and wife. At the same time, after marriage, the house is the same as the property loan, so both parties need to sign

2. The house belongs to the husband and wife, so both parties have the same right to dispose of it, and neither party can make a claim on behalf of the other party. Therefore, the mortgage must go through someone's book house, so the house belongs to the same property of husband and wife, and both husband and wife can sign it at the scene, otherwise the transaction cannot be carried out;

3. Mortgage loan from the house. If there is no house, the real estate mortgage loan of either party is the mortgage loan of the bank or its property or real estate as the material guarantee for repayment. It is the main form of real estate credit business and occupies an important position in the loan business.

Legal basis: Article 397 of the Civil Code of the People's Republic of China

If a building is mortgaged, the right to use the construction land within the occupied area of the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together.

the mortgagor fails to mortgage and mortgage together according to the provisions of the preceding paragraph.

Article 398

The right to use the construction land of township and village enterprises shall not be mortgaged separately. If it is mortgaged, the right to use the construction land within its occupied area shall be mortgaged together.

third, does a husband need his wife's signature to borrow money from a bank?

what relationship are you talking about? You won't have any influence if you don't get a license to repay normally.

write your name to see what type, emergency contact or guarantor? The guarantor's words have a great relationship. If it is overdue, you may be contacted by your mother-in-law and you. If the repayment is normal, the bank will not do anything. If the repayment is delayed, the bank has the right to dispose of your husband's home mortgaged in the bank, such as the car and house, and take it back by the bank! If you are a guarantor, there should be a corresponding loan in your name, and you have signed it. If your husband doesn't pay it back, then you will pay it back. After all, you made the guarantee!

If the loan is from a financial institution, and the repayment is abnormal, most departments will choose to call these people who reserved the phone for you or collect it at home. Please be prepared!

fourth, do both husband and wife have to sign the loan?

Yes, in order to borrow a loan from a bank, both husband and wife must be present to sign it, otherwise, a single certificate is required.

if a husband and wife sign a loan without the knowledge of the other party, the bank has the right to ask the other party to repay the loan if the person who signed the loan is unable to repay the loan.

In the past, there were many lawsuits like this: one party mortgaged the property without the knowledge of the other party, so the bank is now very cautious about personal loans to prevent similar lawsuits from happening again. When borrowing money, the borrower holds both marriage certificates, ID cards and household registration books.

To borrow a loan from a bank, both husband and wife must be present to sign it, otherwise, a single certificate is required.