1. To apply for a personal loan, you don't need the signature of both husband and wife, just the signature of the lender himself;
2. If a family applies for a mortgage or car loan, even if neither husband nor wife submits a loan application, both parties must be present to sign it. Because it is the joint responsibility of husband and wife to apply for a loan on a family basis, both parties must know the existence of this loan;
3. If an individual applies for a loan, the poor credit information of the spouse will not affect the loan review result, while one party applying for a mortgage or car loan will directly lead to the failure of the review;
4. If the user applies for a personal consumption loan from the bank, then only the signature of the applicant is required;
5. If you apply for mortgage, car loan and other loans involving the joint property of husband and wife, then both husband and wife need to sign together; Generally speaking:
(1) The fastest payment for bank loans is 7 working days, and the slowest loan usually takes about 2 months;
(2) Most people need about a month to complete it;
(3) The specific time is related to the bank's lending index. The more lending indicators, the faster the approval speed and the shorter the corresponding lending time.
Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC).
The debts incurred by both husband and wife after the same signature or ratification by one party, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of 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.