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银行贷款要户口本 -法律知识
释义
法律分析:
需要。一般来说,银行贷款都是需要居住证明的,户口本是居住证明最常用的一种证件,当然,借款人有其他居住证明代替也是可以的。
法律依据:
《中华人民共和国商业银行法》
第三十五条 商业银行贷款,应当对借款人的借款用途、偿还能力、还款方式等情况进行严格审查。商业银行贷款,应当实行审贷分离、分级审批的制度。
第三十七条 商业银行贷款,应当与借款人订立书面合同。合同应当约定贷款种类、借款用途、金额、利率、还款期限、还款方式、违约责任和双方认为需要约定的其他事项。
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