1. Any one or more authorized persons on the property ownership certificate can go to the bank to apply for a loan. It mainly depends on their income. If the income is low, you can choose several authorized persons. For loans, those with high incomes can have only one borrower. It is determined by the ability to repay the loan. \x0d\\x0d\2. If the property is to be used as a mortgage loan, if the borrower only appoints one of them, all the people who own the house must sign on-site to agree that the house can be used as a mortgage loan. \x0d\\x0d\3. If it is a mortgage loan for purchasing a new house, when there are multiple people registering the property rights, only one person is required to apply for the loan. \x0d\ When the property rights are mortgaged, all property owners must sign and fingerprint. When you go to the bank for a mortgage loan, you need to bring the borrower and his or her spouse with you, as well as your ID card, household registration, marriage certificate, income certificate, bank account statement, house purchase contract, down payment receipt, spouse's personal information and the house The ID card, household registration, marriage certificate, etc. of the property registrant (owner) are enough. \x0d\\x0d\Supplement: When the house goes through the formal mortgage loan procedures, the house owner (originally multiple registered names, now one for each person: indicate ***owner) will obtain the house property rights from the Housing Authority The Registration Section of the Supervision Office handles the mortgage registration procedures on site. The borrower fills in the mortgage application form, and other authorized persons sign and fingerprint it below. There are three similar forms that need to be signed and fingerprinted, and the person must show their ID card and keep a video of when they agreed to the house mortgage during the consultation. As long as you keep your ID cards properly, don't sign or fingerprint the paper easily. It is impossible for the housing management department to handle the mortgage registration procedures for your brother. If you cannot go through the house mortgage registration procedures, professional banks will not grant loans to your brother. I work in loan approval. If anyone at ICBC issues a loan without going through the mortgage procedures, they will be dismissed from get out of class.