Whether a bank loan requires signatures from both spouses depends on the nature of the loan.

For personal consumption loans, usually only the applicant’s signature is required for confirmation. However, for loans involving jointly owned property, such as a home loan or a car loan, both spouses will need to sign.

This is because these loans are considered a joint liability of the family, and both parties need to clearly understand and assume the responsibilities of the loan. Such regulations ensure the transparency and fairness of the loan process and protect the rights and interests of both spouses.