Is it legal if both parties agree? As long as the loan meets the loan conditions of the bank and can provide effective and true information, you can apply for a loan.

Conditions to be met for poor family loans:

1, needy households need to issue relevant certificates for loans;

2. There are approval documents from relevant departments;

3. The borrower needs to fill in the Application Form for Poor Households;

4. Having a corresponding guarantor;

5. The borrower needs to issue an ID card and a household registration book;

6. You need to provide information about your child.

It depends on the local loan policy and the borrower's loan amount.