Generally, the business license is required for more than one year. In addition to the business license, you need to provide your personal ID card and bank account number. The bank should have been running for more than six months. At the same time, the borrower's credit status should be good. If the borrower's credit status is bad, he can't apply for a bank loan.

The specific loan conditions are:

(1) has full capacity for civil conduct and local household registration;

(2) Having a fixed business place or address in the local area, and having legal, stable and sufficient business income as the first repayment source;

(3) Being able to provide legal, sufficient and easy-to-realize collateral;

(4) Open a deposit account in a loan bank.

Loan materials:

(1) The original ID card and household registration book and a copy consistent with the original;

(2) Provide the original and photocopy of the annual business license and tax registration certificate;

(3) Relevant materials that can prove their lawful income;

(4) Relevant materials that can prove their marital status;

(5) Provide legal and sufficient collateral and evaluation report;

(6) The mortgagor or pledger shall fill in the pledge in bank format;

(seven) other information required by the bank.