Legal analysis: couples can't use each other's ID cards and household registration books for loans. Only when the parties come forward in person, meet the requirements of bank loans and provide corresponding materials can the loans be made. Mortgage, car loan or other loans after marriage belong to the same debt of husband and wife. Therefore, bank loan information needs to be signed by both husband and wife. If one party cannot be present, a power of attorney notarized by the notary office shall be provided. Otherwise, you can't go through the loan procedures.

Legal basis: Article 25 of the General Rules for Loan Application of the People's Bank of China: If a borrower needs a loan, he shall apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: (1) Basic information of the borrower and guarantor; (two) the financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for a loan; (three) the rectification of the original unreasonable occupation of loans; (4) The list of mortgaged property and pledged property, the certificate that the person who has the right to dispose of it agrees to mortgage and pledge, and the relevant documents that the guarantor intends to agree to guarantee; (5) Project proposal and feasibility report; Other relevant information deemed necessary by the lender.