1. Both husband and wife are between 18-60 years old and have full capacity for civil conduct;

2. Both husband and wife have stable jobs and incomes, and have the ability to repay the loan principal and interest safely;

3. The personal credit status of both husband and wife is good, and there are no bad records such as overdue;

4. The purpose of the loan is reasonable and clear;

5. Meet other conditions stipulated by the lending institution;

6. proof of income of both husband and wife, such as salary flow, bank flow, tax payment certificate, etc. ;

7. Couples who borrow money to buy a house should provide a house purchase contract and a mortgage down payment certificate;

8. Couples who borrow money to buy a house should provide a car purchase contract and a car loan down payment certificate;

9 for mortgage loans or secured loans, the relevant information of the collateral or guarantor shall be provided;

10. If the husband and wife loan is for decoration, study, travel, etc. , you need proof of loan use;

Loan process:

1. Lender's application;

2, the loan bank review;

3. The borrower handles mortgage insurance;

4. Loan bank transfer.

Legal basis: Article 667 of the Civil Code of People's Republic of China (PRC).

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668

A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.