IOU is a joint debt of husband and wife, which must be signed by two people at the same time. If there is only one party, the bank will not admit it. But if the other party is in a foreign country or something, you can also consider asking the foreign country to find a local notary office to make a notarial certificate and entrust you with a loan. The cost is not expensive.

1. Can a credit cooperative loan be signed by one of the husband and wife?

To apply for a family-based loan, both husband and wife must sign it. And the application is a personal loan, and the funds applied for are not used for the family, then the applicant can only sign, and the spouse does not need to sign. Of course, for loans applied by families, as long as one of the husband and wife has credit problems, it will affect the audit results.

Generally, loans for families are car loans and mortgage loans, so as long as you don't apply for these two loans, most loans only need one person to sign.

Second, how to handle the wage loan of credit cooperatives?

Credit union wage loan process:

1. The borrower prepares loan information (ID card, salary card, unit certificate and credit certificate) and submits an application to the lending institution.

2. After passing the examination, the borrower signs a loan agreement with the lending institution.

3. Lending institutions issue loans, and borrowers repay them on a monthly basis according to the agreed amount.

Third, the best way to deal with overdue loans of credit cooperatives.

Loans overdue, a credit union, the best way to deal with it is to pay off overdue debts as soon as possible. No matter which way users adopt, the final result is to pay off overdue debts. As long as the overdue debts are paid off as soon as possible, the negative impact of overdue records will be reduced, and the user's personal credit information will be restored as soon as possible. The longer the repayment time, the greater the negative impact of overdue.

For users, after the credit cooperatives in loans overdue, as long as users pay off overdue debts as soon as possible, personal credit information can be restored as soon as possible.

4. Can a credit cooperative get a second loan?

Credit cooperatives can make secondary loans, which can be divided into two situations. The first case is to apply for a second loan after the previous loan is settled. As long as users have enough repayment ability, general credit cooperatives will apply for loans. The second situation is that the loan is still being repaid and you want to apply for a second loan. Then users need to submit more financial certificates, or provide guarantees, mortgages, etc. So that they can apply for a second loan.

Different loan consumption purposes are different, and users need to abide by the loan contract and only use the loan funds according to the agreed content. If the credit union finds any violation, it can recover the loan and ask for a one-time return of the used quota.

Can a husband and wife borrow money without signing?

"No, husband and wife * * * with the loan must be signed by both parties. Small online loans, if they are for family life, belong to the same debt of husband and wife. If it is not used for family life, it does not belong to the same debt. Interpretation of the Supreme People's Court on Relevant Issues Concerning the Application of Law in the Trial of Husband and Wife Debt Disputes Article 1 The debts incurred by both husband and wife with the same signature or by one party with the same meaning afterwards shall be recognized as joint debts of husband and wife.

Do both husband and wife have to sign the bank loan slip?

Not necessarily, it needs specific analysis. Nowadays, bank loans are becoming more and more common in our lives. This also involves many problems, especially those with spouses. In fact, the issue of signing a bank loan will be considered according to different situations. Generally speaking, general bank loans need to be signed by both husband and wife, while some small bank loans do not.

I. Loans

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. 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.

Second, the loan repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Do rural credit cooperatives need a spouse's signature for loans?

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.