Understand the loan situation. According to the inquiry of China Travel Service. Com, if one of the spouses borrows money from the bank as a borrower and provides mortgage to both husband and wife, his spouse will issue a letter of commitment to the bank, indicating that he knows and agrees that the borrower will mortgage the above-mentioned property, and promises that there is no objection when the bank disposes of the assets. The content of this commitment can only reflect that the borrower's spouse, as a husband and wife, recognizes the other party's disposition of family property and knows the contractual matters in the loan.