A single person can't get a mortgage. Husband and wife have the right to dispose of property, and unilateral disposal is invalid. All property owners registered on the real estate license must agree and sign before they can borrow money. The property jointly owned by husband and wife refers to the property jointly owned by husband and wife during the existence of the relationship. The so-called duration of the relationship between husband and wife refers to the period from the marriage of one spouse to the death or divorce of one spouse. The property acquired by the husband and wife during this period belongs to the common property of the husband and wife, unless there is an agreement. Husband and wife have equal rights to dispose of all property. The disposal of property by one spouse during the existence of the husband and wife requires the consent of one spouse. If there are husband and wife's names on the real estate license, one party needs to authorize the other party to go to the Housing Authority for mortgage registration. If only the mortgage contract is signed, the contract is invalid if the other party does not ratify it. The determination of husband and wife's property is legally handled according to the principle of proof, that is, if it cannot be proved that a certain property belongs to one party, it should be determined as husband and wife's property. In addition, if it involves subjective divorce property division, only the husband and wife's property can be divided legally, and one party's property does not participate in divorce property division.

Legal basis:

Article 395 of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

Derivative problem:

How to identify marital property?

The common property of husband and wife refers to the property acquired during the existence of husband and wife, including wages, bonuses and labor remuneration; Income from production, operation and investment; Intellectual property income; Inherited or donated property, except the property inherited or donated by one spouse; Other property that should be owned by * * *.