Legal analysis: both husband and wife need to be present to sign the car loan application. When applying for a loan, you also need to prove the income of both parties, such as identity cards, bank running water, and the marriage relationship between the two parties. The car loan handling bank will also check the credit reports of both parties to confirm that the family has sufficient repayment ability and good credit before passing the examination and approval. If only one party applies for a car loan, it is not necessary for both husband and wife to sign, but the borrower himself can sign.

Legal basis: Article 25 of People's Republic of China (PRC) Commercial Bank Law. If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

(1) Basic information of the borrower and the guarantor;

(two) the financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for a loan;

(three) the rectification of the original unreasonable occupation of loans;

(4) The list of mortgaged property and pledged property, the certificate that the person who has the right to dispose of it agrees to mortgage and pledge, and the relevant documents that the guarantor intends to agree to guarantee;

(5) Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the lender.