Personal credit depends on personal credit. If you don't have any bad credit record, that's fine. Unless you two want to apply for a loan from 1, for example, if you buy a house with the same name, you need to look at your credit standing when applying for credit, but you don't need a marriage certificate either.

Second, how to apply for a housing loan without a marriage certificate?

1. The answer is: you can borrow money to buy a house without a marriage certificate, but there are several points to pay attention to.

2. Two people who didn't get a marriage certificate can buy a house together, that is, two people's names can be written on the real estate license, so the house belongs to two people with the same property, and there is a relationship between them. However, at the time of loan, the same loan cannot be implemented and must be confirmed.

3. When making a loan, both parties need to negotiate and confirm the related matters of the loan. For example, confirm the proportion and amount of each China loan. Among them, when lending, they can't use their housing provident fund to lend together.

4. Bian Xiao's warm suggestion here: When buying a house before marriage, you must pay attention to the names of two people on the property ownership certificate, and there is no need to sign a supplementary student on the investment ratio of both parties.

How can I borrow money to buy a house without a marriage certificate?

1. We hereby claim that under the condition of harmonious and normal relationship, two people who have not got a marriage certificate can get a marriage certificate first.

2. Buying a house process:

A. Prepare to buy a house: determine the location, area, price, floor and orientation of the house according to the economic strength and repayment ability of both parties and the needs of work and life.

B TV, or related real estate website query, comprehensive and detailed view of housing information.

C. On-the-spot house inspection: Before choosing a house, you should know something about the floor area ratio, greening rate, pool, etc.

D. Negotiate and sign a sales contract: the buyer and the seller must express their rights and obligations in words.

E. After the house is confirmed, the house purchase contract is signed, and two people take the household registration book and ID card to the marriage registration office of the civil affairs bureau where one of the men and women is located to get the marriage certificate.

F move one party's household registration into the other party's household registration book with the marriage certificate.

G. handle the house transfer formalities with the certificates of both parties, and obtain the real estate license.

Whether there is a marriage certificate to buy a house with a loan or not, and how to borrow a house with a marriage certificate. Bian Xiao answered these questions comprehensively and in detail. There are some key points that buyers need to understand and remember. For example, when you don't get a marriage certificate, you can buy a house together, but you can't pay.

3. How can I get a loan without a marriage certificate?

Legal subjectivity: Yes. Can I borrow money to buy a house without a marriage certificate? You can borrow money to buy a house without a marriage certificate, but there are the following precautions. Two people who don't have a marriage certificate can buy a house together, that is, two people's names can be written on the real estate license, so the house belongs to two people with the same property, and there is a * * * * relationship; However, when making a loan, the same loan is not allowed, and one of them must be confirmed as the main lender. When making a loan, both parties need to negotiate and confirm the relevant matters of the loan. For example, both parties confirm that one party is the main lender and negotiate to determine the proportion and amount of their respective loans. Among them, when lending, they can't use their housing provident fund to lend together. Conditions for bank mortgage: 1, legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence; 2. Have a stable occupation and income; 3, have the ability to repay the loan principal and interest on schedule; 4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee. 5, there is a contract or agreement to buy housing; 6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations; 7. Other conditions stipulated by the lending bank. Article 400 of the Civil Code establishes mortgage, and the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) the scope of the guarantee. Objectivity of law: Article 9 of Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases? A loan contract between natural persons may be regarded as established under any of the following circumstances: (1) The borrower paid the loan in cash when receiving it; (2) If the payment is made by bank transfer or online electronic remittance, it shall be counted from the time when the funds reach the borrower's account; (3) If the bill is delivered, it shall be from the date when the borrower obtains the bill right according to law; (4) When the lender authorizes the borrower to control a specific fund account, the borrower obtains actual control over the account; (5) The lender provides the loan in other ways agreed with the borrower and actually performs it. Article 13 A private loan contract is invalid under any of the following circumstances: (1) Borrowing from a financial institution; (2) Lending money from other profit-making legal persons, raising funds from employees of the unit or illegally absorbing funds from public deposits; (3) Lenders who have not obtained the loan qualification according to law provide loans to unspecified social objects for the purpose of making profits; (four) the lender knows or should have known in advance that the borrower's loan is used for illegal and criminal activities, but still provides loans; (5) Violating the mandatory provisions of laws and administrative regulations; (6) Violating public order and good customs.