With the development of the times, people's ideas are slowly improving, and loan consumption is becoming more and more popular. Some people take out loans to buy houses. Some people borrow money to buy a car, others borrow money to get married. So, how to apply for a marriage loan and what are the risks? In fact, there have been many kinds of marriage loans in the market, some are credit consumption loans, which can be used as marriage expenses, some are specialized marriage loan products, and some thresholds are still set very low. An application can be submitted if the monthly income is more than 2,000 yuan. For example, Citibank's happiness loan, after tax, 4,000 yuan office workers can apply; Ping An Bank can apply for a new loan with a monthly salary of 3,500; There are also credit consumer loan products represented by Guangfa Bank's e-second loan. As long as they have stable jobs and good credit, they can apply. Therefore, for those who need marriage loans, there are many choices that can be carefully grasped. 1. To apply for a marriage loan, the following conditions must be met: 1, 18~56 years old with legal and effective capacity for civil conduct; 2. The monthly income is more than 2,000 yuan; 3. Have a stable occupation; 4. Work in the current unit must be over 3 months (including 3 months); 5. Other conditions required by the lending institution. 2. To apply for a marriage loan, you need to provide the following information: 1, valid ID cards of yourself and your spouse; 2. Marriage certificate; 3. Financial product statements or utility bills or household registration books in the last three months; 4. Personal tax payment certificate or bank statement in the last three months; 5. Other materials required by the lending institution. 3. What are the risks of marriage loan? 1. Marriage loans generally belong to the category of consumer loans. Compared with mortgage loans, the expected annualized interest rate of loans is higher, and the total interest that borrowers need to repay is also higher. Therefore, before submitting the application, it is necessary to make clear the expected annualized interest rate of the loan so as not to suffer a dumb loss. 2. Marriage loan has a clear loan purpose, and improper use will face high penalty interest. Many lending institutions will specifically indicate in the notes that this loan is used for wedding tourism, consumer shopping and so on. , and can not be used to buy stocks, futures, wealth management products, etc. Once it violates the rules, it will be a high penalty interest. You can't apply for a loan with a fake marriage certificate. Many marriage loan products explicitly require a marriage certificate to apply. Some unmarried people who are eager for loans may take risks and get a fake marriage certificate. This definitely touches the legal red line and can never be tried.

Second, I have nothing. I just got married and want to get a loan from the bank. I don't know what procedures are needed.

Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years. Personal credit loan is a loan service based on personal credit and repayment ability. No mortgage or guarantee is required, but certain identity, address and income proof are required. Different institutions have different loan requirements, processes and approval quotas.

China Industrial and Commercial Bank personal credit loan application conditions:

1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;

5. Open a personal settlement account in China Industrial and Commercial Bank;

6. Other conditions stipulated by the bank.

In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:

(1) Senior and middle managers and senior professional and technical personnel who are high-quality corporate customers of banks;

(2) Personal assets of more than 2 million yuan (inclusive);

(3) Peony Platinum Card customers;

(4) He has held a personal financial account at the bank 1 year or more, and the annual deposit in the account is E799Be5Bae6E79Fa5E9819E4 eb13330363230, with an average balance of more than 200,000 yuan (inclusive);

(5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).

Loan amount:

The starting point of the loan amount is 6,543,800 yuan, with the maximum not exceeding 500,000 yuan (inclusive).

Loan term:

The loan term is generally 1 year (inclusive), and the longest is no more than 3 years. Personal credit loans are generally not granted. If it is really impossible to repay the loan on time due to force majeure or accidents, with the consent of the bank, if the loan term is within 1 year (inclusive), it can be extended once. The extension period shall not exceed the original loan period, and the accumulated loan period (including the extension period) shall not exceed 1 year. However, the term of private loans is more selective than that of bank loans.

Materials to be submitted when applying for a loan:

When a borrower applies for a personal credit loan from a bank, it is required to fill in the application form in writing and submit the following materials:

1, my valid identity document;

2. Proof of residential address (household registration book, etc.). );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information stipulated by the bank.

According to the specific access conditions of the borrower, one of the following materials needs to be reviewed:

(1) A written certificate of the post and professional technical level issued by the personnel department of the client unit of the high-quality enterprise.

(2) Bank deposits, bonds, funds and other financial assets owned by individuals; Property certificate in the name of individual (or spouse).

(3) Peony Platinum Card customer information.

(4) Customer certification materials of ICBC wealth management account.

(5) China Industrial and Commercial Bank personal loan contract text.

Before my wife and I got married, we had a suite under our name. After we got married, we borrowed money to buy a house in the name of our wife. Is it suite 2?

1, definitely two houses, taking the family as the unit. 2, but it doesn't matter anymore. From 20 10, 1, the preferential interest rate for loans was completely cancelled, and the interest rate for two suites and one suite was basically not realized.