Which bank can apply for wedding loans?

1. Which bank can apply for a wedding loan?

A wedding loan is a personal credit loan provided by a bank loan structure to borrowers who are preparing to get married. It can be used for any expenditure related to marriage, early wedding preparation expenditures, and wedding photos. Diamond rings and jewelry for the proposal are included, and the funds provided by the wedding loan can be used for the entire wedding process and the honeymoon trip after the wedding.

Which banks have wedding loans?

Currently, only Yidai China and Ningbo Bank’s Aijia installment business have launched wedding loans. Yidai China's Wedding Yidai provides convenient and fast personal credit loans to borrowers who are preparing to get married. It can be used for all wedding-related expenses, including travel, weddings, decoration, shopping, home appliances, car purchases, diamond jewelry, and wedding dresses. Photography and more. Bank of Ningbo's Aijia installment business is an installment business with multiple loan uses and a large loan amount. It can be used for automobile, home decoration, wedding, education installment, household durable goods installment, medical installment, travel installment, etc.

2. Which bank can apply for wedding loans, and what are the requirements for bank marriage loans?

Banks do not have wedding loan business, but some have loan business. But wedding loans are consumer loans, so many banks have corresponding businesses. As long as you specify the purpose of the loan, you can apply for it, such as purchasing wedding supplies, decorating a new house, purchasing home appliances, and even honeymoon travel. But the first condition is that the borrower has loan qualifications and has good repayment ability and willingness to repay.

Conditions:

1. 18 to 56 years old with legal and effective civil capacity.

2. The monthly income is more than 2,000 yuan.

3. Have a stable career.

4. Must have worked in the current unit for more than 3 months (including 3 months).

5. Other conditions required by the partner institution.

Materials: Valid ID cards for myself and my spouse; marriage certificate (if you have not yet applied for a marriage certificate, you need to provide proof of unmarried status); financial product statements or utility payment sheets or household registers in the past three months; personal tax payment Proof or bank statements for the past three months; other materials required by the partner institution.

Extended information:

Although marriage loans can solve financial problems, they also carry certain risks if they are not used properly.

1. Wedding loans do not require mortgage, so the interest rate is relatively high. Therefore, it is necessary to check the loan interest rate clearly when submitting the application.

2. The purpose of the loan must be clear. Improper use may result in early withdrawal of the loan or penalty interest. Wedding loans can be used for shopping, but cannot be used for financial management, stock trading, etc.

3. When applying for a marriage loan, the borrower needs to provide a marriage certificate. However, in reality, some people apply for fake marriage certificates in order to obtain funds. This is against the law and must not be done.