Not only that, but also ABC can benefit farmers and lend easily. A family can only be handled by one spouse, not two people at the same time.

Bring my ID card, household registration book (which must be agricultural registered permanent residence), a copy of ID card and a copy of the first page of household registration book, and go directly to the bank for processing. If the processing time is uncertain, the key depends on whether the bank has completed the task and whether the bank has issued the card. Going to more banks will definitely help, and there is no need to go to the village Committee.

Legal analysis: As long as they have good credit, a fixed income and meet the requirements, both husband and wife can apply for a credit loan from the bank at the same time.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1064 If the husband and wife sign the same signature or one of them ratifies the debts afterwards, the husband and wife shall

During the marriage relationship, the debts incurred by one wife in her own name for the daily life of the family belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.

Article 1065 A man and a woman may agree that the property acquired during the marriage relationship and the property before marriage shall be owned by themselves, wholly or partly, and partly. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1060th of this Law shall apply.

The provisions of article 3.

The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties.

The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife.