Borrowers can't apply for loans only with the hukou book, because the hukou book is only one of the procedures needed for loans.

When applying for a loan, the materials to be provided include:

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. The lender's residence certificate;

5. Income certificate issued by the lender's work unit;

6. Social security, insurance policies and provident fund can also be used for loans in the current month.

In addition, if you apply for a housing provident fund loan, you need to prepare the original provident fund deposit slip.

The borrower also needs to provide an application for personal loan, a written commitment to provide guarantee issued by the guarantor, and the guarantor's credit certificate, house purchase contract, valid residence certificate, marriage certificate and other relevant documents.

Legal status of household registration book:

1, proof of identity: Hukou book is a legal document to prove the relationship between personal identity and household registration;

2. Marriage registration: when handling marriage registration, you need to provide a household registration book as proof of identity and marital status;

3. Education admission: when students enter school, the household registration book is used to prove their household registration location, and sometimes it is also used as the basis for admission;

4. Employment registration: when registering for employment, use the household registration book to prove personal household registration information;

5. Social security: the household registration book is used to prove personal household registration information when handling social security such as endowment insurance and medical insurance;

6. Inheritance rights and interests: When handling inheritance matters, the household registration book can be used as proof of family members' relationship.

To sum up, borrowers need to provide a variety of materials when applying for loans, including ID cards, credit information, bank cards, proof of residence, proof of income, etc. The household registration book is just one of the procedures and cannot be used directly to borrow money. In addition, to apply for housing provident fund loans, you also need to provide the original provident fund deposit receipt, as well as personal loan application, guarantor's written commitment and credit certificate, house purchase contract, residence certificate, marriage certificate and other related documents.

Legal basis:

Interim Measures for the Administration of Personal Loans

Article 11

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.