No, in rural credit cooperatives, husband and wife loans are not allowed to borrow twice, because according to the loan terms of I _ rural credit cooperatives, a user can only borrow once, and must meet certain loan conditions and have a guarantor to guarantee repayment ability. It is also stipulated that the lender cannot borrow twice without paying off the debt.
2. Can couples (male 6 1 year-old and female 49-year-old) apply for loans from rural credit cooperatives?
Mortgage or social security
Let's see what others say.
3. Can both husband and wife apply for credit loans from rural credit cooperatives?
Both husband and wife can apply for credit loans from rural credit cooperatives. See if the information provided meets the loan conditions. Information required for the loan: 1, valid ID card and household registration book of the borrower; 2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required). The loan of rural credit cooperatives refers to the behavior that natural persons or legal persons obtain funds from rural credit cooperatives in accordance with the prescribed conditions and procedures, and agree on the amount, term and interest rate, and repay the principal and interest of the loan at maturity. Although loans from rural credit cooperatives and private lending are both lending behaviors, they are essentially different. The most fundamental difference is that the loans of rural credit cooperatives are protected by national laws. If the interests of borrowers are infringed, they can safeguard their legitimate rights and interests through legal channels. But private lending is different, and the protection of private lending by law is conditional. For example, the interest rate of private lending exceeds four times that of similar loans of banks, and the excess is not protected by law. Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are well known. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items. The actual loan cost is much higher than the interest rate advertised.