Does a personal loan require a marriage certificate?

Generally speaking, applying for a personal loan at a bank requires the borrower to provide a marriage certificate, including but not limited to a marriage certificate. If the borrower is married, a marriage certificate is required; if the borrower is unmarried, a single certificate is required; if the borrower is divorced, a divorce certificate is required. In addition, if you are married and applying for a personal loan, you also need to provide relevant information about your spouse. Does a personal loan require a marriage certificate?

Legal subjectivity:

A personal loan does not require a marriage certificate; a personal loan does not require a marriage certificate, it is only required when an individual purchases a house Provide personal certificates, marriage certificates and credit reports of both spouses to the lending bank, and go to the bank to apply.

The law is objective:

Article 5 of the "Personal Housing Loan Management Measures" The borrower should provide the following information to the loan: 1. Identity documents (referring to resident ID card, household register and other Valid residence certificate); 2. Proof of the borrower’s family’s stable economic income; 3. A letter of intent, agreement or other approval document for the purchase of a house that meets the regulations; 4. List of mortgages or pledges, proof of ownership and the person with the right to dispose of the property Proof of agreeing to mortgage or pledge; proof of mortgage valuation issued by the competent department; written document of the guarantor agreeing to provide guarantee and certificate of creditworthiness of the guarantor; 5. If you apply for a housing provident fund loan, you must hold a certificate issued by the housing provident fund management department; 6. Other documents or information requested by the lender. Do bank loans require a marriage certificate?

Whether a marriage certificate is required for a bank loan depends on the actual situation, as follows:

1. If the relevant user is applying for a loan in the name of an individual, such as a credit loan , then there is no need to provide a marriage certificate, and the marriage certificate is not used as loan application materials.

2. If the relevant user is applying for a supplementary loan on a family basis, such as a car loan or a house loan, then the user must submit a marriage certificate when they get married, because the bank will also review the spouse's tax during the review. Letter report.

Different banks and different loan products have different regulations on whether a marriage certificate is required. The actual regulations of the handling bank shall prevail. Do you need a marriage certificate to apply for a loan?

If you are married, you need a marriage certificate to apply for a loan. If you are unmarried, you need to provide a marriage certificate. Conditions for applying for a house purchase loan: 1. Valid ID card and household registration book of the borrower; 2. Proof of marital status. If you are unmarried, you need to provide a certificate of unmarried status. If you are divorced, you need to provide a court civil mediation letter or divorce certificate (indicating that you have not remarried after the divorce). ); 3. If you are married, you need to provide your spouse’s valid ID card, household register and marriage certificate; 4. Proof of the borrower’s income (certificate of salary income for six consecutive months or local tax receipt); 5. Property ownership certificate of the real estate; 6. Guarantee Person (need to provide ID card, household register, marriage certificate, etc.)