Legal analysis: Yes, you can apply for a commercial loan with a marriage certificate. Conditions: legal residence status; Have a stable occupation and income; Having the ability to repay the loan principal and interest on schedule; There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions as their guarantees; There is a contract or agreement for the purchase of housing; When applying for a loan, there is no less than 30% deposit in CCB.

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

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 679 A loan contract between natural persons is established when the lender provides the loan.