Hukou book has little effect on loans. According to the provisions of personal loan management and loan general rules, loans mainly examine the borrower's repayment ability, credit status, guarantee status, mortgage (pledge) ratio, risk degree and so on. , and according to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency, development prospects, etc. to evaluate the borrower's credit rating. So the loan has little to do with the household registration book.

Legal basis:

Article 18 of the Interim Measures for the Administration of Personal Loans

The loan review should comprehensively review the legality, rationality and accuracy of the loan investigation, focusing on the due diligence of the investigators and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.

Article 19 of the Interim Measures for the Administration of Personal Loans

The loan risk assessment should be based on the analysis of the borrower's cash income, and adopt quantitative and qualitative analysis methods to conduct a comprehensive and dynamic loan review and risk assessment.

The lender shall establish and improve the borrower's credit record and evaluation system.

Article 26 of the general principles of loans

Credit rating evaluation of the borrower:

The borrower's credit rating should be evaluated according to factors such as the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department.