Legal Analysis: One Person. Only one person's name can be written, because mortgage house purchases can only be processed according to the principle of whoever borrows the loan signs, ensuring that the signatures on the house purchase contract, loan contract and real estate certificate are consistent. The reason is to avoid bank loan risks.

Legal basis: "People's Republic of China and Civil Code"

Article 671: The lender provides the loan according to the agreed date and amount, causing losses to the borrower , should compensate for the losses. If the borrower fails to collect the loan on the agreed date and amount, the borrower shall pay interest on the agreed date and amount.

Article 672: The lender may inspect and supervise the use of the loan in accordance with the agreement. The borrower shall provide relevant financial accounting statements or other information to the lender on a regular basis as agreed.