Basic applications of major banks

1, 18~56 years old has legal and effective capacity for civil conduct;

2. The monthly income is more than 2,000 yuan;

3. Have a stable occupation;

4. Work in the current unit must be over 3 months (including 3 months);

5. Other conditions required by the Cooperation Organization.

Ping An Bank Marriage Loan Application Conditions

1, aged 25 to 55;

2. The average monthly income is _ 3,000 yuan, and Beijing, Shenzhen, Guangzhou, Shanghai and Hangzhou are _ 4,000 yuan;

3. Have a stable job, the salaried person has been working in the current unit for 3 months continuously, and some customers need 6 months;

4. Living and working in the following areas (other areas are being carried out one after another): Beijing, Shanghai, Tianjin, Chongqing, Guangdong, Zhejiang, Fujian, Jiangsu, Shandong, Liaoning, Sichuan, Hubei, Yunnan and Hainan. Note: The above provinces and cities will be provided with loan services by Shenzhen Development Bank, a subsidiary of Ping An Group.

5. China citizens with full capacity for civil conduct and second-generation identity cards;

6. No bad credit record.

Can I apply for a marriage loan with a marriage certificate? You may think too much!

When applying for a loan, we all know that we need to provide relevant information and documents. Marriage is a major event in life, and it is also a time when there is a big money gap. Many friends will want to apply for a marriage loan. Then, if there is no collateral, can a marriage certificate apply for a marriage loan?

Can I apply for a marriage loan with a marriage certificate?

I can definitely answer you that a marriage certificate, as a proof of the legal existence of a husband-wife relationship, can't apply for a marriage loan solely on the basis of a marriage certificate. However, whether you choose a credit loan or a mortgage loan, some banks are in the data review stage, and a marriage certificate is an indispensable information. What conditions and materials are needed to apply for a marriage loan? Where the cost of marriage is high, please refer to fear of marriage. Apply for a marriage loan.

Reasons why marriage certificate can't be loaned

1. Bank loans need a certain amount of collateral as a guarantee, even credit loans will have credit as a guarantee. Marriage certificate can only prove family relationship and loan audit, but not mortgage.

2. Lending institutions need to identify risks when reviewing loans. Generally, proof materials such as personal income certificate are needed to determine whether there is repayment ability, and the marriage certificate cannot be determined.

Generally speaking, no lending institution can get a marriage loan only with a marriage certificate. If yes, please choose carefully. It may be a loan trap and you need to pay attention.

So if you want to apply for a marriage loan, it is suggested that you can provide a mortgage loan. If the amount is relatively high and the funding gap is not big, you can apply for a credit loan from the bank. Or, don't believe that you can apply for a marriage loan just by a marriage certificate. It is urgent to use money to click on the next platform that can pay in minutes.

What are the conditions for marriage certificate loan?

Marriage is a sacred and solemn thing, and it is also something that every country attaches great importance to. Different countries have unique laws and regulations to protect marriage, and China also has unique provisions on the contents of marriage certificate loans. So what are the conditions for a marriage certificate loan? What is a marriage certificate? A legal document issued by the marriage registration authority to prove the validity of the marriage relationship. The original is in duplicate, one for male and one for female. The style shall be uniformly formulated by the Ministry of Civil Affairs, printed by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government, and sealed by the people's governments of counties, municipal districts and cities without districts. Marriage certificate must be affixed with photos of both men and women, and stamped with the special seal for marriage registration. If the marriage certificate is lost, the Civil Affairs Bureau may apply for a replacement. 1. Both husband and wife need to have legal China citizenship. 2. Both husband and wife should have stable income, and credit should not be tainted. Both husband and wife must be able to repay the principal and interest of the loan. 3. Both husband and wife need to have legal and effective housing contracts and agreements and other supporting documents required by the loan bank. Both husband and wife should raise more than 30% of the total house price, and can only buy a house with an area less than 90 square meters, so as to ensure that they can afford the down payment when buying a house. 5. When handling the marriage certificate loan, there must be assets approved by the bank that can be used for mortgage or pledge, or a legal person or natural person with sufficient compensation capacity as the guarantor. 7. Other conditions stipulated by the lending bank. As we all know, independent property before marriage belongs to personal property, and all property after marriage belongs to both husband and wife. Therefore, if couples want to buy a house with a marriage certificate loan, they must show their marriage certificate, because it belongs to * * * property and will not lead to the occurrence of property in the future divorce. In fact, the relationship between the loan and the marriage certificate is not particularly great. It is important to have collateral when lending. General loans require good personal credit, stable economic income and good repayment record. If all these are in line, then show your marriage certificate, and the bank will calculate it according to your monthly salary. The general loan amount is about four to eight times your monthly income! Marriage certificate loan belongs to the common property of both husband and wife, and husband and wife must distinguish it well, so don't make trouble because of such things. The amount of marriage certificate loan is mainly agreed according to the wages of both parties. For couples who need loans, they also need to know more!

Do you need a marriage certificate for a loan? Which bank is good for marriage loan?

Nowadays, many new couples have no choice but to borrow money from the bank because of their tense life after marriage. However, if couples borrow money from banks, they need to know some relevant loan knowledge. So, do couples need a marriage certificate to get a loan? Which bank is good for marriage loan? Let me tell you something about the marriage loan!

1. Do I need a marriage certificate to apply for a loan?

1. First of all, after you get married, all the savings that you and your other half have worked hard for a lifetime belong to your property. Therefore, even if you only use one party's salary to get a loan, it belongs to your husband and wife.

2. Then the answer is yes on the question of whether a marriage certificate is needed to apply for a loan. Because in the process of your loan, if there are some quarrels, then such a fuse will lead to a crisis in your marriage. Therefore, there will be a series of loans. So in the process of loan, you can fully and effectively show that the debt of this loan belongs to both of you.

3. Finally, I give you some advice: No matter how close your husband and wife are, in the process of loan, no matter which side's salary is used to borrow money, you must take out a marriage certificate for your own rights and interests!

Second, which bank is good for marriage loan?

The above is my answer to whether I need a marriage certificate to apply for a loan. I believe everyone knows that marriage certificate is an indispensable document in loan. But many people don't know which bank has a good marriage loan. Please look at the following analysis:

1, the least effort: Bank of China.

Bank loans in China are the most energy-efficient. Because this bank only needs to ask for it once, and then recover it, and it is an operation of borrowing and returning it once. Moreover, there is no need for newcomers to go through miscellaneous procedures in the future.

2. Time-saving: ICBC

Newcomers borrow money from ICBC. After you submit the loan request, you can get the loan amount within five working days at the earliest. Because the efficiency of ICBC is beyond the reach of other banks.

3. The most economical: Huaxia Bank

In some banks, in the process of lending, the formalities alone will make you exhausted. However, Huaxia Bank can make it easy for you to apply for a loan. Therefore, on the question of which bank is good for marriage loans, these banks are all very good. As for which is the best, everyone should choose according to their actual situation!

Editor's summary: These are the questions I answered for you. Do you need a marriage certificate? And I recommend several good loan banks to you, hoping to be of some use to you. In fact, loans are helpful to everyone. As long as you can make full use of this money, I believe you can gain a lot!

Can I get a loan for my marriage certificate? What information should I prepare for marriage certificate loan?

Prices are soaring, and the cost of marriage is getting higher and higher. For ordinary working-class families, holding a wedding is not a small expense. Therefore, in order to make the wedding go smoothly, we may use loans or borrow money from relatives and friends to solve our urgent needs. Can I get a loan with a loan marriage certificate? What information should I prepare for marriage certificate loan? Let's have a look.

1. Can I get a loan with a marriage certificate?

1. If you want to get a loan, you can't just rely on a marriage certificate. To apply for a loan, you must have both husband and wife's ID cards, household registration books, marriage certificates, income certificates of both husband and wife's work units, and documents that need to be mortgaged, such as a house purchase contract. These are all the materials needed for a loan, and they are essential when you apply for a loan.

2. To apply for a marriage loan, husband and wife must mortgage the same property or other property with you. That's why you must provide your marriage certificate, and both parties must be present to sign that they belong to the same property of yours before applying for a marriage loan.

3. Why do couples need a marriage certificate for loans? Because when you apply for a loan, you need collateral, such as real estate, which belongs to both of you. Therefore, we must work together to issue a marriage certificate stating that we need a loan. If it is a divorce, you must apply for a loan with a divorce certificate.

4. Can I get a loan only with a marriage certificate? The answer is impossible, but couples need your marriage certificate to borrow money from the same property. If it's just your personal loan, the amount of the loan is different. Generally, it is a personal credit report, but this requirement will be more stringent.

2. What materials should be prepared for marriage certificate loan?

The loan is not that easy, so it is very important, so it will be more troublesome. I believe everyone will know after reading the appeal that only a marriage certificate can't give you a loan. You must prepare some materials for the organization you apply for a loan. These materials include: husband and wife's ID card and household registration book, marriage certificate, and copies of unit income certificate, house purchase contract, real estate license and land use right, all of which are indispensable.

I conclude: Can I get a loan for my marriage certificate? I believe that after reading what I shared above about marriage certificate loans, everyone will know something about loans. Of course, I still remind everyone that it is impossible to get a marriage certificate, and other materials must be ready!

What are the conditions for getting married by loan?

Marriage loan is a convenient personal credit loan provided by banks or financial institutions to borrowers who are ready to get married. It can be used for all wedding-related expenses, including travel, decoration, beauty, diamond jewelry, wedding photography and so on. 1. Application conditions: 8-56 years old, with legal and effective capacity for civil conduct; 2. Materials to be submitted: (1) Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; (2) Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates; (3) Provide stable proof of income source, bank flow sheet and labor contract.