My wife can't apply for a loan with her husband's ID card, household registration book and marriage certificate. If I need to sign the IOU, the bank will review the borrower's information in various ways, so it is impossible for my wife to apply for a loan with this information without the other party's knowledge. \r\nMaterials to be prepared for handling bank loans: \r\n 1. Valid identity documents; \r\n2。 Permanent residence or valid residence certificate, permanent residence certificate; \r\n3. Proof of marital status; \r\n4。 Bank flowing water; \r\n5。 Proof of income or personal assets; \r\n6。 Credit report; \r\n7。 Use the plan or statement for loan purposes; \r\n8。 Other information required by the bank. \r\nConditions for bank loans: \ r \ n( 1) 18 years old, with full capacity for civil conduct, permanent residence of urban residents or legal and valid identification, and the age of the lender of bank loans is generally between 18-60; \r\n (2) Having stable legal income and the ability to repay interest; \r\n(3) Other conditions required by the lending bank. \r\nThis process is usually divided into three steps: \r\n( 1) The customer submits basic information, including work unit and contact number. \r\n(2) A lending bank or company should check the credit information of its customers, including whether there are any illegal records in their credit ratings, and investigate the business operation status of self-employed and small and medium-sized enterprises. \r\n(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

Second, my husband took my household registration ID card marriage certificate. Can I get a loan?

My wife can't apply for a loan with her husband's ID card, household registration book and marriage certificate. If I need to sign the IOU, the bank will review the borrower's information in various ways, so it is impossible for my wife to apply for a loan with this information without the other party's knowledge. To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank. Bank loan requirements: For those who have reached the age of (1) 18 and have full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificates, the age of the lender required by bank loans is generally between 18-60 years old; (2) have a stable legal income and the ability to repay interest; (3) Other conditions required by the lending bank. The process is generally divided into three steps: (1) The customer submits basic information, including the work unit and contact telephone number. (2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises. (3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

3. Can I get a loan with my ID card and household registration certificate?

It is impossible to issue it separately. You can only apply for personal materials such as real estate license and income certificate. If it is a student loan, you can contact the local education department and they will help you. This is ok, as long as you have an ID card.

4. Can someone else take my ID card, household registration book and marriage certificate to the bank for a loan?

If you can't get a loan, you must go by yourself, even if your spouse holds your hukou marriage certificate and ID card! ~ here! ~ if you borrow money, you also need asset information and real estate information. If you borrow money from the bank, you will get a marriage certificate.