The loan has nothing to do with whether you are married or not. You can get a loan if you are unmarried, but you must also meet the loan conditions:

1. The applicant must be a natural person with full capacity for civil conduct;

2. Have permanent residence or valid residence status in this city, that is, the borrower must have legal status;

3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. Some banks will require that the applicant has applied for a bank credit card or borrowed money from the bank, and has a good credit record.

What is the repayment process of the company's borrowing from individuals?

1, personal loan contract signing

Generally speaking, enterprises need a large amount of funds, so it is impossible for enterprises to borrow money from individuals as smoothly as they usually keep records. In order to clarify the relationship between creditor's rights and debts and facilitate the examination, signing a contract is an essential process.

The signing of the contract needs to be rigorous. In addition to the loan term and loan interest, the loan contract must also indicate that the purpose of the loan must be for the normal operation of the company. Only in this way can the authenticity, legality and effectiveness of corporate and individual lending be reflected. This is also the most basic premise of whether interest expenses can be deducted before enterprise income tax.

2, the legitimacy of personal loans

Article 6 of the Opinions on the Trial of Loan Cases stipulates that the interest rate of private lending may be appropriately higher than the bank interest rate, and the local people's court may grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed the bank interest rate. The interest rate of similar bank loans (including interest principal) is more than four times. Beyond this limit, the interests of the excess are not protected.

In other words, within the scope prescribed by the state, personal loans can be appropriately floating interest rates. This also shows that the state supports enterprises to borrow money from individuals in disguise.

3, personal loan tax issues.

As long as there is income, tax problems are inevitable. According to the individual income tax law, individual income tax is levied on the interest obtained from personal loans according to the items of "interest, dividends and bonus income", and the tax rate is 20%. Therefore, when individuals borrow money from non-financial enterprises, their interest income needs to pay personal income tax.

4. Accounting treatment of personal loans

Once an enterprise provides financing to an individual, it needs to be recognized as a liability. What needs to be explained here is that what we call "short-term loans" and "long-term loans" mainly refer to the subject of financing from financial institutions. Business-to-individual financing is generally recorded as "other payables".