If the loan applied by the user is a personal credit loan, it does not need to be signed by both husband and wife; If you apply for a mortgage loan, you need the signature of both husband and wife. Credit loans usually have no loan guarantee, unless the amount is relatively large, and pure personal credit loans only need the signature of the applicant. Mortgage loans are generally shared by husband and wife, such as real estate. Because property rights belong to both husband and wife, they need to be signed by both parties to apply for a loan. If one party does not sign, it cannot apply for a loan. The above is whether the loan needs the signature of both husband and wife.

Why should couples sign IOUs? Because husband and wife apply for a loan together, they need two signatures. For example, when a couple applies for a housing loan, in the case of a first-class lender and a second-class lender, the bank will require two people to sign together. Generally, the property and debts shared by husband and wife after marriage need to be shared by husband and wife. If it is only a personal loan, then the borrower's signature is enough, and the other half is not needed, such as a personal consumption loan. This article is mainly about whether the loan needs the signature of both husband and wife.