1. If the house belongs to premarital property, one of the husband and wife can handle it, but only the one who can own the property can handle it;
2. If * * * has the same property after marriage, it belongs to husband and wife * * *, because husband and wife have equal rights to dispose of all property, so one party must obtain the consent of the spouse when disposing of property during the marriage.
The conditions for mortgage loan of real estate license are as follows:
1, a natural person with full capacity for civil conduct, aged between 18 and 65 years old; Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation;
2. Have legal and valid identity certificate, household registration certificate and marriage status certificate;
3. Have a good credit record and willingness to repay;
4, with a stable source of income and the ability to repay the principal and interest in full and on time;
5. Provide legal, effective and reliable house mortgage recognized by the bank;
6. Open a personal settlement account in a bank;
7. Other provisions stipulated by the bank.
The mortgage loan of real estate license is as follows:
1, mortgage bank loans need to be signed by both husband and wife. When handling mortgage loans, the property owner and his spouse are required to sign, because it involves the distribution of husband and wife's property. At the same time, the married house is a real estate loan and a debt, and both husband and wife are responsible for repayment, which requires the signature of both parties;
The house belongs to both husband and wife, so both parties have the same right to dispose of it, and neither party can claim rights on behalf of the other. Therefore, if you want to mortgage the property jointly owned by husband and wife, you must get the written consent of someone. If you buy a house after marriage, then the house belongs to the joint property of husband and wife. You need both husband and wife to be present before you can sign an iou or buy or sell, otherwise you can't do the transaction.
Legal basis:
Article 1062 of the Civil Code of People's Republic of China (PRC)
The following property acquired by the husband and wife during the marriage relationship is the common property of the husband and wife and belongs to the husband and wife:
(1) Wages, bonuses and remuneration for labor services;
(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.