You don't need the signature of the householder to make a loan in a bank, but the premise is that you must be at least 18 years old and have the ability to work and repay the loan within a certain period of time.
Mortgage loan for family members refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangle relationship connected by house sales contract, house mortgage agreement and house mortgage loan contract.