Marriage loan means that both parties who receive a marriage certificate apply to the bank for a consumer loan through a copy of their ID cards, a spouse's income certificate and a marriage certificate. Marriage loan or marriage loan for short. Marriage loan can be used for all expenses related to marriage, including travel, decoration, beauty, diamond jewelry, wedding photography and so on.

Conditions of marriage loan

1, with identification and full capacity for civil conduct;

2. provide a marriage certificate;

3. Have a stable occupation and the ability to repay the principal on time;

4. Personal social credit is good;

5. Other conditions stipulated by the Cooperation Organization.

Marriage loan information

1. Original ID card, household registration book or other valid proof of residence, and provide a copy;

2. proof of income;

3. Marriage certificate;

4. Letter of intent for marriage loan signed with banks and bank cooperation institutions;

5. Other documents required by the Cooperation Organization.

Which bank can handle marriage loans, and what are the conditions for bank marriage loans?

Banks do not have marriage loan business, and some have loan business. But marriage loans are consumer loans, so many banks have corresponding businesses. As long as you explain the purpose of the loan, you can apply for buying wedding supplies, decorating a new house, buying home appliances and even taking a honeymoon trip. But the first condition is that the borrower has loan qualification, good repayment ability and willingness to repay.

Conditions:

1, 18 ~ 56 years old has legal and effective capacity for civil conduct.

2. The monthly income is more than 2,000 yuan.

3. Have a stable job.

4. Work in the current unit must be over 3 months (including 3 months).

5. Other conditions required by the Cooperation Organization.

Materials: valid ID cards of myself and my spouse; Marriage certificate (unmarried certificate is required if marriage certificate is not obtained); Financial product statement or utility bill or household registration book in the last three months; Personal tax payment certificate or bank statement in the last three months; Other materials required by the cooperation organization.

Extended data:

Although marriage loan can solve the problem of funds, it also has certain risks if it is not used well.

1, the marriage loan does not need mortgage, so the interest rate is relatively high. So be sure to see the loan interest rate clearly when submitting the application.

2. The purpose of the loan must be clear. Improper use will lead to early recovery of the loan or penalty interest. Marriage loans can be used for shopping, not for financial management and stock trading.

3. Applying for a marriage loan requires the borrower to provide a marriage certificate. But in reality, some people apply for fake marriage certificates in order to get funds, which is illegal and must not be done.