If you are involved in a lawsuit, you can usually get a loan from a bank.

When the court has not conducted final proceedings and before the court makes a judgment, you can apply for a bank loan if you meet the loan conditions. If the obligated person fails to fulfill the judgment after the court's judgment, the court will add him to the list of defaulters during the execution period. After being included in the list, he will not be able to obtain bank loans.

When borrowing from a bank, the following conditions need to be met:

1. The borrower’s valid ID card and household registration book;

2. Proof of marital status, unmarried If you are divorced, you need to provide a court civil mediation letter 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 register and marriage certificate. Certificate;

4. The borrower’s income certificate, such as salary income certificate for six consecutive months or local tax certificate;

5. Property ownership certificate of the real estate;

6. Guarantor (need to provide ID card, household register, marriage certificate, etc.).

You also need to pay attention to the following points when taking out a loan:

1. You must have collateral to get a loan, and the sum of the loan amount and interest during the loan period cannot exceed half of the assessed value of the collateral. 1.

2. Have a long-term and stable source of income sufficient to pay the monthly loan principal and interest;

3. Guarantor;

4. Age limit for borrowers , male age + loan period does not exceed 60 years old, female age + loan period does not exceed 55 years old;

5. Customers who have entered the credit system blacklist cannot apply for loans.

Legal Basis

Article 13 of the "Interim Measures for the Administration of Personal Loans of the People's Republic of China" After accepting the borrower's loan application, the lender shall perform due diligence responsibilities and The authenticity, accuracy and completeness of the personal loan application content and related circumstances will be investigated and verified to form investigation and evaluation opinions. Article 14 Loan investigation includes but is not limited to the following:

(1) Basic information of the borrower;

(2) Income of the borrower;

(3) The purpose of the loan;

(4) The borrower’s repayment source, repayment ability and repayment method;

(5) The guarantor’s willingness, ability or mortgage (pledge) ) The value of the pledge and its liquidity.