When applying for a mortgage loan, the applicant is married, so not only the applicant's credit information, but also the spouse's credit information needs to be checked. If the spouse's credit information is bad, it may affect the approval result of mortgage loan. In addition, when submitting a mortgage loan application, you need to provide not only personal ID card, bank account, marriage certificate and other materials, but also relevant information of your spouse before you can apply for a mortgage loan. If the mortgage loan is based on the property of the husband and wife, it must be signed by both parties before the mortgage loan contract is valid.