No, there is no such provision that divorced people can't get loans. If they meet the following loan conditions, they can get loans in the bank. The borrower needs the following conditions:

1. Natural persons aged 18-6 (Hong Kong, Macao and Taiwan, mainland China and foreigners are also allowed)

2. Have a stable job and a stable income. The ability to repay the loan principal and interest on schedule

3. The actual age of the borrower and the loan application period should not exceed 7 years old

The materials that the borrower should provide

1. The husband and wife's ID card, household registration book/temporary residence permit and household registration book for foreigners

2. Marriage certificate/divorce certificate or court judgment/ Two copies of single certificate

3. Income certificate (in the format specified by the bank)

4. Photocopy of the business license of the unit (with official seal)

5. Credit certificate: including academic certificate, other real estate, bank running, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate and organization code certificate. Does the bank give loans to houses without five certificates?

If it is China Merchants Bank, it accepts commercial houses and commercial houses with clear property rights and strong liquidity as collateral, and must meet the following conditions:

1. The real estate used for mortgage and the loan agency must be located in the same city, and personal mortgage loans for house purchase do not accept collateral from different places;

2. Do not accept the real estate whose appraised present value is less than 1, yuan (inclusive) as collateral;

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, and the mortgage registration can be handled according to law, and there are no unfavorable situations such as property right disputes;

4. It has strong liquidity, the real estate structure is intact, water, electricity, environmental protection transportation, urban construction, property management and other supporting facilities and services are complete, there are no disputes and problems, and it is not within the scope of demolition planned by * * *;

5. If the collateral is a commercial house, the age of the house is generally not more than 2 years, and the loan/credit period+the age of the house shall not exceed 4 years in principle; If the collateral is a commercial house, the age of the house shall generally not exceed 2 years, and the loan/credit period+the age of the house shall not exceed 3 years in principle;

6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.

whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan. Can you stop paying back the bank loan after divorce?

Hello friends

The loan in your marriage belongs to the same debt.

After divorce, you need to negotiate each other's share.

If you don't pay back your share, you have to bear the responsibility of not paying back.

No, the bank loan after divorce should be mortgaged as you said, so no matter who is the lender and who is responsible for repayment after negotiation, in the end, In addition, in accordance with the provisions, if the debts incurred during the marriage relationship belong to the same debts of husband and wife without disproof, the debt commitment agreed in the divorce agreement between the two parties cannot be against the creditors, and the creditors can still claim from both parties, and you can recourse against each other after paying off. Therefore, it is suggested to pay off the debts before the divorce, or go through the corresponding formalities through the bank, and the other party directly bears the responsibility or cancels the mortgage.

Article 57 of the Guarantee Law

A third party who guarantees the mortgage of the debtor has the right to recover from the debtor after the mortgagee realizes the mortgage.

article 53 if the mortgagee has not been paid off at the expiration of the debt performance period, he may agree with the mortgagor to discount the mortgaged property or be compensated with the proceeds from auction or sale of the mortgaged property; If the agreement fails, the mortgagee may bring a lawsuit to the people's court.

after the mortgaged property is discounted, auctioned or sold, the part of its price exceeding the amount of creditor's rights shall be owned by the mortgagor, and the insufficient part shall be paid off by the debtor.

Interpretation of Marriage Law (II)

Article 24 Where a creditor claims rights for debts incurred by one of the spouses in his own name during the marriage relationship, it shall be treated as the same debts as the husband and wife. However, unless one of the spouses can prove that the creditor and the debtor clearly agreed to be personal debts, or can prove that it belongs to the circumstances stipulated in the third paragraph of Article 19 of the Marriage Law.

article 25 if the divorce agreement of the parties concerned or the judgment, ruling or conciliation statement of the people's court has dealt with the division of husband and wife's property, the creditor still has the right to claim rights from both men and women for the same debts.

if one party claims compensation from the other party based on the divorce agreement or legal documents of the people's court after assuming joint and several liability for repayment of debts, the people's court shall support it. Regarding the loan to buy a house, what should I do if the bank does not give a loan? ?

You and the developer have agreed that you can pay the house price by loan. Now the developer asks you to change the payment method of the house price, which is a breach of contract. You have the right to sue the developer to bear the liability for breach of contract and compensate for losses. The legal basis is that Article 17 of the Contract Law stipulates that if a party fails to perform its contractual obligations or fails to meet the agreement, it shall bear the liability for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. The developer's behavior is fraudulent to some extent, but it is better to hold the developer liable for breach of contract, which is beneficial to protect your rights and interests.

Can I get a divorce if my bank loan is illegal?

Yes, my bank loan is illegal, and others are still free. Can I agree to divorce with a bank loan?

You can get a divorce by agreement, but you can't retire until you have paid off the loan or assigned the repayment responsibility. If you want to buy a house, can the bank give you a loan?

If a retiree wants to buy a house, the bank can't give a loan, and the bank will refuse to accept the mortgage on the grounds that the income certificate provided (not the income certificate provided after retirement) does not meet the requirements; See the following materials for mortgage provisions:

1. First-hand housing mortgage loan

Loan procedures need: identity certificates of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or photocopy), certificate of no house, certificate of unit income, and guarantee certificate of guarantee company.

2. Second-hand housing mortgage loan

Loan procedures need: identity certificate of the buyer and the seller, household registration book, marriage certificate, house ownership certificate, land certificate (or photocopy), sales contract, deed tax ticket, appraisal report, income certificate of the buyer and the certificate of no room. I'm a farmer. Why don't divorced people lend me money? Can't divorced people start their own businesses?

You can apply for an interest-free loan with an employment permit. What is the specific preferential policy? Ask the bank what the maximum loan can be given through the entrusted loan from the bank.

it depends on how much money the client wants to give you. Entrusted loans are negotiated by you, and you don't have to look at the mortgage rate. Pure credit will do. They can give you as much as they want, without collateral.