Legal analysis: both husband and wife don't need to sign a loan to buy a car at the same time. One of them can apply or both can apply. Both parties need to prepare the application materials for both husband and wife. If one party applies, the information of the other party can be used as a reference, and the applicant is the main borrower.

Legal basis: Notice on Adjusting Policies Related to Automobile Loan 1. The highest proportion of loans for self-use traditional power vehicles is 80%, and the highest proportion of loans for commercial traditional power vehicles is 70%; The maximum loan ratio for self-use new energy vehicles is 85%, and the maximum loan ratio for commercial new energy vehicles is 75%; The proportion of second-hand car loans is up to 70%. Among them, for the scope of vehicles that implement the new energy vehicle loan policy, all financial institutions can implement it on the basis of the Measures for the Administration of Automobile Loans, in accordance with the principles of voluntariness, prudence and risk control, and with reference to the Catalogue of Recommended Vehicles for the Promotion and Application of New Energy Vehicles issued by the Ministry of Industry and Information Technology.