Rural credit cooperatives can't apply for loans with both husband and wife's household registration books and marriage certificates, but they need a stable source of repayment and good credit information to apply for bank loans, but they can't apply for loans with household registration books and marriage certificates;

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Requirements for bank loans:

(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

These procedures are usually divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

Second, can two people's marriage certificates get bank loans?

You can't apply for a loan just by your ID card and marriage certificate. Materials to be prepared for the loan:

1, ID cards of both husband and wife of the borrower;

2. The borrower's household registration book/foreigner needs a temporary residence permit and household registration book;

3. Marriage certificate/divorce certificate or judgment/single certificate;

4. proof of income;

5. Academic certificate;

6, the bank is flowing;

7. Other attributes;

8. Business license of the unit.

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

You can't borrow money just by marriage certificate. Marriage certificate is only a necessary document to apply for a loan. To apply for a loan, you need to prepare the following materials: husband and wife's ID card, household registration book, marriage certificate, income certificate issued by their respective work units, mortgage ownership certificate or house purchase contract, all of which are indispensable. When a loan with a marriage certificate is mortgaged by the property jointly owned by husband and wife, a marriage certificate is needed, and both husband and wife are generally required to be present to sign it. Why do you want to use a marriage certificate to loan all the property after marriage to belong to the common property after marriage? In order to avoid unnecessary when buying a house, before the bank applies for a house loan, the buyer must show his marriage certificate if he is married, his divorce certificate if he is divorced, and his single certificate if he is single. Can I get a direct loan with a marriage certificate? It doesn't matter whether I can get a loan or not. Generally speaking, I need a mortgage. There are different preferential policies in different periods, especially in towns and villages. Maybe I can get an agricultural loan without anything! It's different. Loan products involve different procedures. First of all, you need to know how much money you want to borrow, what purpose you want to use, whether you can borrow money or let your family borrow it, and so on. A relatively simple personal credit loan requires a stable job and income, and there is no record of bad overdue repayment. Generally, you need an ID card, proof of work income and proof of residence (renting a house is also acceptable). The specific amount is calculated according to your monthly income, which is generally 4-8 times of your monthly income and not more than 10 times. Can I get a loan with a marriage certificate? Marriage certificates cannot be used for loans. Bank loans are guaranteed by certain collateral, such as houses and cars. Marriage certificates can only be used as part of loan review and family background proof. Without collateral, there is no way to lend. If the loan amount is not large, it is better to apply for a credit card! Go through the formalities of marriage loan: 1. The parties must first apply to the bank for a marriage loan. 2. After the bank accepts it, it will evaluate the collateral of the marriage loan, and then determine the loan amount according to the evaluated value. 3. After determining the loan amount, both parties need to sign a loan contract with the bank. 4. After the contract is signed, the parties need to apply for real estate mortgage registration certificate. 5. After the process is ok, the bank will eventually lend money. What is a marriage certificate for a loan? 1. First, the debt you borrowed during your marriage is the joint debt of both of you. So use your marriage certificate only as evidence of mutual repayment. If the lender is single, he also needs to show his single certificate. Secondly, if you can't repay the loan, the bank can freeze the property of both of you, which gives the bank a guarantee. Therefore, a loan with a marriage certificate must be within your affordability! 3. If you really need money urgently, you need to bring a marriage certificate to borrow money: valid provincial certificates from both parties, household registration books from both parties, income certificates from both parties, real estate certificates, and a relative as your loan guarantor. Everyone knows in detail whether a marriage certificate can apply for a loan. Although a marriage certificate cannot apply for a loan, married people need a marriage certificate when applying for a loan. This is also a process of applying for a loan and the relevant information needed. Pay attention to the specific processing flow when handling.