Theoretically speaking, bank lending first depends on the borrower's credit and repayment ability, followed by the repayment ability of the guarantor (or collateral), which is not directly related to the borrower's father's loan, so he can get the money. However, the bank staff may consider that the father has an existing loan in the rural credit cooperative (literally, it seems to be a bad loan), and his son's credit evaluation may be discounted, which may affect his loan business in other banks.

2. Can I get a loan from a rural credit cooperative? Can I get a loan if I am unmarried?

Hello, you can borrow money, and rural credit cooperatives can also borrow money if they are not married. It is a personal consumption loan, as long as the loan object is a natural person with full civil capacity. Personal consumption loan refers to the summary of loans issued by rural credit cooperatives to borrowers for personal consumption purposes such as buying cars, durable consumer goods, housing decoration, education expenditure, tourism, medical care and so on.

Want to get a loan from a rural credit cooperative, can I? Can I get a loan if I am unmarried? Ask a question

Hello, you can borrow money, and rural credit cooperatives can also borrow money if they are not married. It is a personal consumption loan, as long as the loan object is a natural person with full civil capacity. Personal consumption loans refer to loans issued by rural credit cooperatives to borrowers for personal consumption purposes such as buying cars, durable consumer goods, housing decoration, education expenditure, tourism, medical care and so on.

The general answer is about 65438+ million.

My parents want to get a loan from the bank. It is said that rural credit cooperatives are good at lending. I wonder if they can get a loan.

Credit cooperative loans are mainly divided into two types: one is secured loan, which requires the lender to provide ID card, marriage certificate, bank card for half a year, fixed job and guarantor.

The other is mortgage loan, which requires the lender to own real estate and have a real estate license. The amount of secured loans is relatively small, and the amount of general mortgage loans is relatively high. The interest rate of secured loans is higher than that of mortgage loans. Generally speaking, the information needed for a loan: 1. The borrower's valid identity card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

I want to get a loan from a rural credit cooperative because I am only 20 years old. Don't want to use their parents' money. I want to bring 10000 yuan. How can I get a loan? Can I get a loan?

You are 20 years old, and you can't get a loan without proof of income.