Legal analysis: First of all, it depends on whether the certificate of deposit belongs to the pledgor's personal certificate of deposit. If the personal time deposit certificate is pledged, the signature of the spouse is not required. As long as I fill out the application form. However, according to the relevant laws and regulations, spouses have the right to agree or refuse to increase family debts, and so does the mortgage of real estate, even if the deposit slip and real estate are in the name of individuals.

Legal Basis: Personal Term Pledged Loan Measures Article 2 Personal Term Pledged Loan (hereinafter referred to as Pledged Loan) refers to the loan business in which the borrower takes the unexpired personal time deposit certificate as the pledge, obtains a certain amount of RMB loan from a commercial bank (hereinafter referred to as the lender), and repays the principal and interest at maturity.

Article 1064 of the Civil Code of People's Republic of China (PRC), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family are not joint debts of the husband and wife; However, the creditor can prove that the debt is used for the husband and wife's common life, joint production and operation, or based on the common meaning of both husband and wife.