Legal analysis: There are only the names of husband and wife on the real estate license, and it is definitely not allowed to use the other party's loan. If the property is shared by both parties, neither party can go to the bank for a loan alone, because the bank will ask for your single certificate and return the original divorce certificate. Otherwise, the bank will not accept it. If it is the name of one party, the other party can't get the loan, because the name on the real estate license is different, and the bank will not accept it. If the property ownership is owned by individuals, if you want to borrow money, you need to provide the basis of personal property rights.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1062 The following property acquired by husband and wife during the marriage relationship is the common property of husband and wife and belongs to both husband and wife: (1) wages, bonuses and labor remuneration; (2) Income from production, operation and investment; (3) Income from intellectual property rights; (4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law; (five) other property that should be owned by * * *. Husband and wife have equal rights to dispose of the same property.

Article 1063 The following property is the personal property of one spouse: (1) the property of one spouse before marriage; (2) Compensation or compensation obtained by one party for personal injury; (3) Property that is determined to belong to only one party in the will or gift contract; (4) Daily necessities used exclusively by one party; (five) other property that should be owned by one party.

Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.