Needed.

To apply for a house mortgage loan, the property owner and his wife need to be present to sign. Even if there is no name of the other party on the property ownership certificate, as long as the loan is applied for during marriage, two people need to sign.

Real estate certificate mortgage bank loans require the signature of the owner of the real estate certificate. The specific process is as follows:

1. To apply for existing house mortgage and off-plan house mortgage, the following materials must be provided by the real estate management department

1. Existing house mortgage

(1) Real estate mortgage contract (both husband and wife are present to sign);

(2) House ownership certificate;

(3) Copy of land use right certificate (original to be verified);

(4) "Real Estate Evaluation Report" issued by a qualified evaluation agency;

(5) Bank loan contract;

(6) Proof of marital relationship and copies of both parties’ ID cards (original to be verified). If single, the certificate shall be issued by the civil affairs department of the place of residence.

2. Off-plan mortgage

(1) House purchase pre-sale contract;

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

(3) A copy of the receipt for the advance payment for house purchase (the original must be verified);

(4) A copy of the couple’s marriage certificate (the original must be verified), and if single, a certificate issued by the civil affairs department of the place where the household registration is located;

(5) Copies of ID cards of both spouses (originals must be verified).