First, for married people, the house purchased after marriage belongs to the joint property of husband and wife. Only when both husband and wife agree to mortgage the house can the bank approve the loan, which is also a rule that has to be set in order not to worry about finding property disputes in the future. Being single is not. As long as the house is yours, you can apply for a mortgage loan directly without asking anyone's consent, and the complicated problem suddenly becomes simple. The so-called single certificate is to prove that you have the right to enjoy the simplification of things.

Second, the acquisition of single certificate: bring my valid certificate and issue it to the Civil Affairs Bureau. For friends who are still divorced, you need to issue a certificate of non-remarriage and provide a divorce agreement to the bank to prove that after the property is divided, the mortgaged house belongs to you alone. You can also give your ID card and power of attorney to the client, and the client only needs to carry the above materials and personal identity documents to handle it.