You can't. If you get married, you must show your marriage certificate; If you are not married, you must show your single certificate. Solution 1: A couple's housing loan must have your marriage certificate, household registration book, ID card and so on! Go to the Civil Affairs Bureau to change the name of the marriage certificate with the household registration ID card; Solution 2: Banks generally require. But if you have other excellent conditions (such as the real estate license of a house with a good location), you may not need a marriage certificate. Marriage certificate, like general business license and real estate license, is needed. Marriage certificate mainly proves the family's repayment ability; Solution 3: Yes, we must. It's different. You should ask the bank you borrowed. Every bank is different. They will tell you what to do; Solution 4: I can't get through. I suggest you go directly to the Civil Affairs Bureau and reissue your current name directly on the grounds that your marriage certificate is lost. Solution 5: No marriage certificate is required! If you can get a single certificate, you can borrow money to buy a house without a marriage certificate.
Second, is it necessary to get a marriage certificate for loans now?
It is impossible to apply for a loan only with a marriage certificate. The marriage certificate is only one piece of information that needs to be prepared: the identity cards of the husband and wife, the income certificate issued by the work units of the husband and wife, and the ownership of the collateral.
Third, should both husband and wife get a loan?
Do couples have to be present to apply for a bank mortgage loan?
When both husband and wife buy a house and sign a sales contract, both parties should try to be present. If they can't arrive, they can sign first and then, but they must ensure that they sign themselves. Sign the sales contract and pay the down payment. Generally, a person can go to the bank to transfer money to his family. After the transfer, put away the transfer slip and down payment receipt written by your family. Because of the loan to buy a house, signed a sales contract and paid a down payment, you can sign a loan contract. Both husband and wife should be present at this time. Because husband and wife are in the same debt, no matter who is the main lender, the other lender must be present. The materials needed for the loan include: ID card, household registration book, marriage certificate, income certificate, bank account, down payment receipt and transfer receipt.
Do you need a marriage certificate to apply for a loan?
Legal subjectivity: banks require marriage certificates or single certificates to handle loans, and the materials required for various loans are as follows: 1, three joint-guarantee loans, and three operating economic entities are affiliated with their respective industrial and commercial certificates, guaranteeing each other and lending to banks; Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate or single certificate, business certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses; 2. Mortgage loan is based on real estate, that is, real estate (real estate) is used as collateral, and business enterprise (industrial and commercial license) is used as lender to apply for loan. Loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate or single certificate, house ownership certificate, land certificate (or copy), industrial and commercial license, tax registration certificate, income certificate, bank capital flow and house evaluation report; 3. Second-hand housing mortgage loan is second-hand housing. You need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself. Loan procedures need: identity certificate of the buyer and the seller, household registration book, marriage certificate or single certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate. 4. First-hand housing mortgage loan To buy a newly developed new house, you need to use the newly bought property as collateral to apply for a mortgage loan for the lender. The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate or single certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate and guarantee company guarantee certificate.
Legal objectivity: Article 11 of the Interim Measures for Personal Loans 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.