Marriage loan, as its name implies, refers to the convenient personal credit loan business provided by banks or financial institutions to borrowers who are going to get married, which can be used for all expenses related to marriage, including travel, decoration, beauty, diamond jewelry purchase, wedding photography and so on. What materials are prepared for the marriage loan? The following is a detailed introduction.
Marriage loan application
Generally speaking, a marriage loan requires a person who is over 18 years old and has a stable job and income. According to the specific conditions of first-and second-tier cities, there are different regulations.
1 capacity for civil conduct.
2. The monthly income is 3,000 yuan.
3. Have a stable job.
4. More than 3 months (including 3 months).
5. Other conditions required by the Cooperation Organization.
Information needed to apply for a marriage loan
Marriage loan needs two materials, on the one hand, the applicant's ID card, marriage certificate and other basic materials, on the other hand, it is related to assets and economic income.
1. Valid ID cards of myself and my spouse.
2, marriage certificate must provide proof of unmarried).
3. Financial product statements or utility bills or household registration books in the last three months.
4. Personal tax payment certificate or bank statement in the last three months.
5. Be together
Second, what are the conditions for a marriage loan?
Just have a guarantor.
3. What documents do you need for a marriage certificate to apply for a loan?
1. What are the conditions for a marriage certificate loan? 1. A marriage certificate loan must meet the following conditions: (1) Both husband and wife must have legal China citizenship. (2) Both husband and wife must have a stable income, their credit cannot be tainted, and they 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; (4) Both husband and wife must jointly raise more than 30% of the total purchase price, and can only buy houses with an area of less than 90 square meters; (5) There must be assets recognized by the bank, and a legal person or natural person with sufficient compensation capacity as a guarantor; (6) Other conditions stipulated by the lending bank. 2. Legal basis: Article 14 of the Interim Measures for the Administration of Personal Loans The loan investigation includes but is not limited to the following contents: (1) Basic information of the borrower; (2) The income of the borrower; (3) the purpose of the loan; (4) The source, ability and method of repayment of the borrower; (5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity. Second, do you need to check the credit information of two people for husband and wife loans? When a married person borrows a loan, the bank will check the credit records of both husband and wife. Any couple with bad credit records will affect the approval of loans. Therefore, when a married person takes out a loan, both husband and wife must pay attention to maintaining good credit information. The property acquired during the marriage relationship belongs to the husband and wife jointly, and the debts incurred during the marriage relationship are also shared by the husband and wife. Therefore, banks will consider the credit records of both husband and wife when lending.