Legal analysis: you can't borrow money from a bank with a marriage certificate. To apply for a personal loan, you need to meet the following conditions: 1, a citizen of China who has a fixed residence, a fixed residence or a valid residence certificate at the place where the loan bank is located, is under 65 years old (inclusive) and has full capacity for civil conduct; 2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; 3. Have a good credit record and willingness to repay, and no bad credit.

Legal basis: Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 of the Civil Code provides that a loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 of the Civil Code: When concluding a loan contract, the borrower shall, according to the requirements of the lender, provide the true information about the business activities and financial situation related to the loan.

Article 670 of the Civil Code stipulates that the interest of a loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.