Marriage loan is a convenient personal credit loan provided by banks or financial institutions to borrowers who are ready to get married. It can be used for all expenses related to marriage, including travel, decoration, beauty, diamond jewelry, wedding photography and so on. 1. Application conditions: 8-56 years old with legal and effective capacity for civil conduct; 2. Materials to be submitted: (1) Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; (2) Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates; (3) Provide stable proof of income source, bank flow sheet and labor contract.

How much can I borrow from the bank with my marriage certificate?

Marriage certificate is not allowed to go to the bank for loans. If there is no collateral at the time of loan, you can apply, and the loan interest rate will be higher. The marriage certificate is only the preparation material in the loan and cannot be used as the basis for the loan. If one of the husband and wife provides a loan for the guarantor, the loan period can be up to three to five years. The loan amount is generally determined by personal income, and the general loan amount is only about 10 times of fixed income.

Extended data:

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by banks in some countries. The borrower is required to provide a certain amount of collateral as a guarantee for the loan to ensure repayment when the loan expires. Collateral is generally an item that is easy to keep, wear and sell, such as securities, bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Mortgage loan is a way for the buyer (mortgagor) to borrow money from the bank (mortgagee). That is, the buyer takes the purchased property as collateral, signs a mortgage contract with the bank, and repays the loan to the bank on schedule by taking the way of not transferring ownership as a guarantee. Interest must be paid on this loan. After the buyer (mortgagor) pays off the principal and interest to the bank according to the contract, he can recover the collateral-"house ownership certificate" and "land use certificate". In other words, before the buyer pays off the loan, he doesn't really own the ownership of the house he bought. If the loan is not repaid on time, the bank can handle it according to law.

Mortgaged and unsecured

First, from the nature of loans, it belongs to credit loans, and mortgage loans belong to guarantee (or guarantee) loans;

Second, from the loan interest rate, this interest rate will be much higher than the mortgage interest rate. The general interest rate will be 2-3 times that of the mortgage.

Third, in terms of loan term, the loan term is relatively short, generally not more than three years. The term of mortgage loan can be long or short, one year or as long as 20 years. The repayment pressure is small.

Fourth, from the perspective of loan amount: the amount is generally small, and it is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount.

Mortgage loan is mainly based on the value of collateral to determine the loan amount, if the loan amount is relatively large, but also consider the lender's repayment ability.

5. From the perspective of loan issuance time, the loan approval time is short, and the loan can usually be obtained in 3-5 days; Mortgage loan approval-mortgage registration-lending takes 2-3 weeks.

Which bank can handle marriage loans, and what are the conditions for bank marriage loans?

Banks don't have marriage loans, but some banks do. However, marriage loans are consumer loans, so many banks have corresponding businesses. As long as you explain the purpose of the loan, you can apply for buying wedding supplies, decorating a new house, buying home appliances and even taking a honeymoon trip. But the first condition is that the borrower has loan qualification, good repayment ability and willingness to repay.

Conditions:

1, 18 ~ 56 years old has legal and effective capacity for civil conduct.

2. The monthly income is more than 2,000 yuan.

3. Have a stable job.

4. Work in the current unit must be over 3 months (including 3 months).

5. Other conditions required by the Cooperation Organization.

Materials: valid ID cards of myself and my spouse; Marriage certificate (unmarried certificate is required if no marriage certificate is obtained); Financial product statement or utility bill or household registration book in the last three months; Personal tax payment certificate or bank statement in the last three months; Other materials required by the cooperation organization.

Extended data:

Although marriage loan can solve the financial problem, it also has certain risks if it is not used well.

1, the marriage loan does not need mortgage, so the interest rate is relatively high. Therefore, it is necessary to clearly see the loan interest rate when submitting an application.

2. The purpose of the loan must be clear. Improper use will lead to early recovery of loans or penalty interest. Marriage loans can be used for shopping, but not for financial management and stock trading.

3. Applying for a marriage loan requires the borrower to provide a marriage certificate. However, in reality, some people apply for fake marriage certificates in order to obtain funds, which is against the law and must not be done.