Legal analysis: marriage certificate cannot be loaned. 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. Loan terms: 1. The loan object is a natural person with full capacity for civil conduct, legal and valid identity documents, good credit standing, a stable source of income and the ability to repay the principal and interest on schedule, and can provide the application materials for collateral/pledge recognized by the bank: (1) personal credit line application form; (2) The identity certificate, household registration certificate and marital status certificate of the borrower and spouse; (3) Proof of stable economic income of the borrower and spouse; (4) Mortgages or pledges, such as real estate property certificates, certificates of deposit, etc. , if other people's assets are used as collateral/pledge, the identity certificate, household registration certificate and marital status certificate of the owner and spouse shall also be provided; (5) Other materials required by the bank.

Legal basis: Article 395 of the Civil Law of People's Republic of China (PRC), the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.