A mortgage loan does not necessarily need to be signed by both husband and wife, but only when the collateral of the mortgage loan is the joint property of husband and wife. Because it involves the distribution of marital property. At the same time, the house after marriage is the same as the real estate loan, and it is also the same as the debt. Both husband and wife are responsible for repayment, so both parties need to sign.
If the house belongs to the joint property of husband and wife, both parties enjoy the same right to dispose of it, and neither party can claim rights on behalf of the other. Therefore, if you want to mortgage the property jointly owned by husband and wife, you must get the written consent of someone.
Judging from the process of housing mortgage loan, it is difficult to successfully handle this business without the consent of any party.
A bank loan that does not require the signature of both husband and wife?
Generally, the amount involved is relatively large, and the requirements in all aspects are also relatively strict. Therefore, when handling the loan, it must be signed by both parties.
However, now with the constant change of our lifestyle. Many things, in fact, do not have to go to the scene to deal with. Now the highly developed network has brought a lot of convenience to our life. Now we don't actually go to the bank, but we can also get a certain amount of loans through the apps of various banks.
Of course, banks and other enterprises generally rely on credit card business. No matter what name these businesses appear in credit cards, their essence is bank loans. Although there may only be hundreds of thousands of such lines, such business is essentially a bank loan. We can't underestimate such a small loan. Although the amount of a bank is limited, if you handle such business from several banks at the same time, the amount you can get is not small.