A married party can make a separate loan, but if a married party makes a loan and either husband or wife has a bad credit record, the bank will refuse the loan. Even if the lender has a good credit record, if his spouse fails to repay for many times, the bank will doubt the family's repayment ability and credit degree, and will be more cautious when lending. If one of the husband and wife fails to repay the loan for three consecutive times or six times in two years, the bank will refuse to issue the loan.

Conditions for applying for personal loans:

1, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

3. Good credit record and no bad credit record.

4. It can provide legal and effective guarantee recognized by the bank.

5. Other conditions stipulated by the bank.

Generally meet the above conditions, you can apply for a loan from a commercial bank.

Personal loan application procedures:

1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;

4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.