Article 54 If a mortgage is set with the share of property owned by an individual, the mortgage is valid. * * * and * * someone mortgages their * * * property, and the mortgage is invalid without the consent of other * * * people. However, if other * * * people know or should know without raising any objection, it shall be deemed as consent and the mortgage shall be valid.
However, the Interpretation of Marriage Law stipulates that husband and wife should make important decisions on the joint property of husband and wife, and they should reach an agreement through equal consultation except for the needs of daily life. Others have reason to believe that it was expressed by both husband and wife, and the other party shall not oppose a bona fide third party on the grounds of disagreement or ignorance.
If there are two names on the real estate license, it is impossible to get the loan unilaterally, because the loan needs to be registered as a mortgage. According to relevant laws and regulations, if there is a house, it must be registered through * * * and * *. Therefore, the normal process should have a consent mortgage.
If the real estate license is a person's name, it is agreed by * * * and the property * * * in principle, and it does not rule out that the party registering the name can unilaterally mortgage it.