Legal analysis: mortgage bank loans need to be signed by both husband and wife. The reason is that the house belongs to both husband and wife, so both parties have 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. For example, Mr. Zhang bought a house after marriage, so the house belongs to the joint property of husband and wife. You need both husband and wife to be present before you can sign an iou or buy or sell, otherwise you can't do the transaction.

Legal basis: Article 32 of the Measures for the Administration of Urban Real Estate Mortgage shall submit the following documents to the registration authority for the registration of real estate mortgage: (1) the identity certificate or legal person qualification certificate of the mortgage party; (2) An application for mortgage registration; (3) mortgage contract; (4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted; (5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage; (6) Information that can prove the value of the mortgaged real estate: (7) Other documents deemed necessary by the registration authority.