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Can I apply for a personal loan if I have a joint banking account?

There two possible scenarios:

1. If you and your spouse have a joint account and you are not the main account holder; you must submit proof from the bank to show that you have signing power and  rights to the account. Furthermore, your salary must be paid into that account and a debit order authorization will be required from your spouse to prove that the instalment may be debited from the account.
2. If you have a joint account with someone other than you spouse, you must be the main account holder and your salary must be paid into the account.

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