1. Can I get a loan with a marriage certificate?

1. No.

2. It is impossible to apply for a loan with only a marriage certificate. The marriage certificate is only used as the information required for a loan. A loan with a marriage certificate or a loan using the property owned by the couple as a mortgage requires A marriage certificate is required, and both spouses are generally required to be present to sign.

3. All property acquired after marriage belongs to the same property after marriage. When purchasing a house, the bank will avoid unnecessary unnecessary use. Therefore, if the home buyer is married, he or she must present a marriage certificate. If you are single, you must provide a divorce certificate, and if you are single, you must provide a certificate of singleness before you can apply for a home purchase loan.

2. Can I get a loan by going to the bank with my marriage certificate?

Can I get a loan? What is the use of a marriage certificate? The marriage certificate only proves that the two adults are a legal couple, and it does not represent which of the couple has good credit. Therefore, the marriage certificate is not a loan certificate. You only need to provide a valid ID card and proof that the lender has a source of income (salary list) or proof that the lender has a certain financial foundation (such as real estate certificate, car driving license, securities, etc.) to go to the bank to apply for a loan. . Or a loan can be provided as a guarantee by other natural persons or enterprises with financial strength.

3. Can a marriage certificate be borrowed?

Legal analysis: If you only provide the marriage certificate and no other information, you will not be able to get a loan. Because the marriage certificate is an auxiliary document required for loan application during the loan process. It is only a proof of identity and cannot be used to directly apply for a loan.

Legal basis: "The People's Republic of China and the Civil Code"

Article 667: The loan contract means that the borrower borrows money from the lender and returns the loan and pays when due interest contract.

Article 680: Lending at high interest rates is prohibited, and the interest rate for borrowing must not violate relevant state regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest. If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest will be determined based on local or party transaction methods, transaction habits, market interest rates and other factors; if the loan is borrowed between natural persons, it will be deemed to have no interest.