Handling mortgage loans requires the signature of the property owner and his wife. Even if there is no other party's name on the real estate license, as long as it is a loan handled within marriage, two people need to sign it.

Real estate license bank loan mortgage requires the signature of the owner of the real estate license. The specific process is as follows:

1. The materials required by the real estate management department for the mortgage of existing houses and forward houses are as follows

1, existing house mortgage loan

(1) Property mortgage contract (signed by both husband and wife);

(2) proof of house ownership;

(3) Copy of land use right certificate (original inspection);

(4) A real estate appraisal report issued by a qualified appraisal agency;

⑤ Bank loan contract;

(6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the single household registration is located.

2. Faster mortgage loan

(1) Purchase pre-sale contract;

(2) signing a house purchase loan contract with the bank;

(3) Copy of the house purchase prepayment receipt (original inspection);

(4) A copy of the marriage certificate of husband and wife (original inspection), a certificate issued by the civil affairs department where the household registration is located;

(5) A copy of the ID card of both husband and wife (original inspection).