It depends. According to the legal consultation of Legal Express, whether it is necessary for husband and wife to sign a bank loan generally depends on the situation, because the borrower can sign a contract for a credit loan in his own name; If you apply for car loans, mortgages and other loans, because the family is basically the unit, the cars and houses purchased after marriage also belong to the joint property of husband and wife, and both husband and wife need to sign and agree; When a customer applies for loans such as car loans and mortgage loans in the bank, not only the husband and wife must sign together, but also the bank will inquire about the credit information of the customer and the spouse. So it depends. Zhejiang Tailong Commercial Bank was established in 2006, and its predecessor was Taizhou Tailong Urban Credit Cooperative, which was established in 1993.