Marriage loan is a personal credit loan provided by the bank loan structure to the lender who is ready to get married. Can be used for any wedding-related expenses, pre-wedding preparation expenses, wedding photo shooting, marriage proposal diamond ring jewelry and so on. The funds provided by the marriage loan can be used for the whole wedding process and honeymoon trip after marriage.

Which bank has a wedding loan?

At present, only Easy Loan China and Ai Jia installment business in Bank of Ningbo have launched marriage loans. Easy Loan China Wedding Easy Loan is a convenient and fast personal credit loan for borrowers who are ready to get married. It can be used for all expenses related to marriage, including travel, wedding, decoration, shopping, home appliances, car purchase, diamond jewelry purchase and wedding photography. Bank of Ningbo's Ai Jia installment business is a installment business with many purposes and a large loan amount. It can be used in automobile, home decoration, wedding, education staging, household durable goods staging, medical staging, tourism staging and so on.

2. Which bank can handle the marriage loan, and what are the conditions of the bank's marriage loan?

Banks do not have marriage loan business, and some have loan business. But marriage loans are consumer loans, so many banks have corresponding businesses. As long as you explain the purpose of the loan, you can apply for buying wedding supplies, decorating a new house, buying home appliances and even taking a honeymoon trip. But the first condition is that the borrower has loan qualification, good repayment ability and willingness to repay.

Conditions:

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 job.

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

5. Other conditions required by the Cooperation Organization.

Materials: valid ID cards of myself and my spouse; Marriage certificate (unmarried certificate is required if marriage certificate is not obtained); Financial product statement or utility bill or household registration book in the last three months; Personal tax payment certificate or bank statement in the last three months; Other materials required by the cooperation organization.

Extended data:

Although marriage loan can solve the problem of funds, it also has certain risks if it is not used well.

1, the marriage loan does not need mortgage, so the interest rate is relatively high. So be sure to see the loan interest rate clearly when submitting the application.

2. The purpose of the loan must be clear. Improper use will lead to early recovery of the loan or penalty interest. Marriage loans can be used for shopping, not for financial management and stock trading.

3. Applying for a marriage loan requires the borrower to provide a marriage certificate. But in reality, some people apply for fake marriage certificates in order to get funds, which is illegal and must not be done.