Yes, you can.

Not only that, but also ABC can benefit farmers and lend easily. A family can only be handled by one spouse, not two people at the same time.

Bring my ID card, household registration book (which must be agricultural registered permanent residence), a copy of ID card and a copy of the first page of household registration book, and go directly to the bank for processing. If the processing time is uncertain, the key depends on whether the bank has completed the task and whether the bank has issued the card. Going to more banks will definitely help, and there is no need to go to the village Committee.

Legal analysis: As long as they have good credit, a fixed income and meet the requirements, both husband and wife can apply for a credit loan from the bank at the same time.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1064 If the husband and wife sign the same signature or one of them ratifies the debts afterwards, the husband and wife shall

During the marriage relationship, the debts incurred by one wife in her own name for the daily life of the family belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.

Article 1065 A man and a woman may agree that the property acquired during the marriage relationship and the property before marriage shall be owned by themselves, wholly or partly, and partly. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1060th of this Law shall apply.

The provisions of article 3.

The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties.

The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife.

What are the terms of the loan at ABC?

Requirements of the Borrower:

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

Information to be provided by the borrower:

1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

According to the Interim Measures for the Administration of Personal Loans:

Article 23

The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

Article 24

The loan contract shall comply with the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the parties' commitment to good faith, the purpose of the loan funds, the payment object (scope), the payment amount, payment conditions and payment methods.

The loan contract should be set with relevant clauses to clarify the liabilities for breach of contract that the borrower should bear when it fails to perform or slowly performs the contract.

Article 25

Lenders should establish and improve the contract management system to effectively prevent the legal risks of personal loans.

If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.

Article 26

The Lender shall standardize the guarantee process and operation according to the Property Law of People's Republic of China (PRC), the Guarantee Law of People's Republic of China (PRC) and other relevant laws and regulations.

The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral.

Personal loans secured by guarantee shall be completed by at least two loan officers.

Article 27

Lenders should strengthen the management of loan issuance, follow the principle of separation of examination and loan, set up an independent loan management department or post, and be responsible for implementing the loan conditions and issuing personal loans that meet the agreed conditions.

Article 28

After the loan contract comes into effect, the lender shall issue the loan in time as agreed in the contract.