You don't need to take your wife with you for a loan from Yunnan Hongta Bank. If the mortgage and car loan are face-to-face, both husband and wife must be present at the same time, because this belongs to the common property of husband and wife, and both parties must be present before the bank will start face-to-face signing. The loan is a personal loan, not a family application. The lender can be present at the interview, and the spouse does not need to come to the interview. Therefore, for married users, not all loans need to be signed by both husband and wife, and personal loans do not need to be signed by two people.