Rural credit cooperative loans need to be signed by both husband and wife.

When applying for a credit cooperative loan, it must be signed by both husband and wife. Some couples get divorced after applying for loans. One party takes all the property, and the other party will be unable to repay the loan without money. Therefore, when handling loans, credit cooperatives require both husband and wife to sign in order to prevent the lenders from cheating.

Do both husband and wife need to sign the loan together?

Whether a bank loan needs to be signed by both husband and wife depends on who the borrower is. If it is both husband and wife, then both husband and wife must sign; If it's just one of them, it's not necessary.

; 1. Loan (electronic receipt credit loan) is simply understood as borrowing money with interest.

2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

3. As a leading consumer credit information service enterprise in China, Lirong.com is the only enterprise in China that has launched the MBA student loan project. The bridge loan provided by Lirong.com to MBA freshmen can help students solve the tuition problem easily. MBA freshmen can apply for low-interest student loans ranging from10-200,000 yuan with the admission notice. If the monthly interest rate is even as low as 0.7%, it is lower than the bank credit card installment. After entering school with the student loan provided by Li Rong. Com, MBA students can apply to the school for a national student loan with a low interest rate, and then use the national low-interest loan to repay the tuition bridge funds in one lump sum. In this way, as long as the borrower indicates the interest after service when applying, he can apply for a student loan in this form before entering school. The best application period is six months. Generally, the national student loan applied for in September will not be approved until February of the following year. In this way, MBA freshmen don't have to worry about the high tuition fees at one time, and they can easily complete their studies through student loans.

4. Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.

Does the bank credit loan need to be signed by both husband and wife?

Bank credit loans do not need to be signed by both husband and wife. Credit loan is a personal loan, and the loan only needs the signature of the lender. Even if you apply for a credit loan after marriage, you only need your own signature, not your spouse's signature. Unless a family applies for a mortgage or car loan, both husband and wife need to sign it. If one party does not sign, the loan contract will not take effect.

Users can also apply for personal loans after marriage, so when applying for credit loans, they only need to sign and run for confirmation.