As long as they have good credit, a fixed income and meet the requirements, both husband and wife can apply for a credit loan from the bank at the same time.

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee.

The process of credit loan is as follows:

1. The borrower submits the following information to the bank:

(1) loan application approval form;

(2) my valid identity certificate and a copy;

(3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months);

(4) proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );

(5) Effective contact information and telephone number;

(6) Personal settlement account voucher opened in China Industrial and Commercial Bank;

(seven) other information required by the bank.

2. After the bank approves the application materials submitted by the borrower,