Legal analysis: not necessarily. A mortgage loan does not necessarily need to be signed by both husband and wife, but only when the collateral of the mortgage loan is the joint property of husband and wife. Because it involves the distribution of marital property. At the same time, the house after marriage is the same as the real estate loan, and it is also the same as the debt. Both husband and wife are responsible for repayment, so both parties need to sign.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC) * * * The debts incurred by the husband and wife with the same signature or ratified by one of them afterwards, and the debts incurred by one of them in his own name for the daily life of the family during the marriage relationship, belong to the same debts of the 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.