If you don't get a bank loan at your registered permanent residence, you definitely need a guarantor, preferably a teacher, doctor or civil servant.

Second, do you need a credit cooperative loan signed and sealed by both husband and wife as a guarantee?

You can't. This word means that the loan guarantee agreement must bear joint and several liability for repayment. When it is necessary to bear joint and several liability for repayment, it can only be repaid with the parties' own property. Because this is not a debt that the parties borrow money for the husband and wife to live together, but a person with civil capacity and should be responsible for his own civil behavior. Article 16 of the Guarantee Law) General guarantee; (2) Joint and several liability guarantee. Article 17 stipulates that when the debtor fails to perform the debt, the guarantor shall bear the guarantee responsibility, which is a general guarantee. The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract has been tried or arbitrated and the debtor's property has been enforced according to law. Under any of the following circumstances, the guarantor shall not exercise the rights stipulated in the preceding paragraph: (1) the debtor's domicile is in great difficulty; (2) If the people's court accepts the bankruptcy case of the debtor, and the people's court waives in writing the stipulation in the preceding paragraph that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint liability guarantee. If the debtor of joint and several liability guarantee fails to perform the debt at the expiration of the debt performance period agreed in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee. Article 19 If the parties have not agreed on the method of guarantee or the agreement is unclear, they shall bear the guarantee liability according to the joint and several liability guarantee. Article 19 of the Marriage Law stipulates that the property during the marriage relationship shall be owned by the husband and wife respectively, and the foreign debts of one spouse shall be determined by the other. Article 9 of the General Principles of Civil Law stipulates that citizens have civil rights capacity from birth to death, enjoy civil rights according to law, and have equal civil rights capacity to undertake civil rights. Article 11 A person with full capacity for civil conduct may conduct civil activities independently.

Third, can both husband and wife guarantee the loan from the credit union?

It depends on how much you borrow. Not if the quantity is large. If it is more than100000 yuan, you have to use the other two to guarantee it. Couples are going, too, with marriage certificates. By doing so, banks are reducing risks. Husband and wife bring a marriage certificate, which proves that the loan is agreed by both husband and wife, and both parties bear the responsibility and can ask for money.

If the amount is about 50,000 yuan, it is ok for one party to lend and the other party to guarantee.

Fourth, how to borrow the husband and wife loans of rural credit cooperatives?

My identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates.

You also need to make a mortgage or guarantee.

The quota of rural credit cooperatives is 30,000 yuan. At present, credit cooperatives provide small credit loans to farmers with a maximum amount of 30 thousand yuan.

A loan of 300,000 yuan in a rural credit cooperative requires the signature of both husband and wife, and also requires a house as a mortgage guarantee. At the same time, both husband and wife who are guarantors can also go to the credit union to sign.

1. RuralCreditCooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for their members.

Second, rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and restrict and crack down. Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School, and Credit Department of Rural Credit Cooperatives. It is a department under the dual leadership of CBRC and the State Council.

Third, it has the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made;

Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures;

4 rural areas have opened basic account or general deposit accounts in lending institutions, and a certain amount of payment deposit has been reserved in the accounts; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis; To apply for guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements.

Fifth, the loan guarantor must be an enterprise or economic entity that has opened a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.

6. The asset-liability ratio of the lender of rural credit cooperatives shall not be higher than 70%.

7. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must comply with the provisions of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.

8. Unless otherwise stipulated by the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets;

9. Lenders of rural credit cooperatives must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.