The bank needs to examine the borrower's repayment ability. If there is no problem with the repayment ability, you can apply. Mortgage cars can be refinanced, and the loan methods include credit loans, car mortgage loans, and unsecured car loans. 1. Conditions for applying for bank loan business:

1. Natural persons aged 18 to 65 years old;

2. The actual age of the borrower plus the loan application period should not exceed 70 years old ;

3. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

4. Have good credit, no bad records, and the loan purpose is legal;

If you meet the above conditions, you can apply for a loan at a local bank. 2. Documents required to apply for a bank loan:

1. Valid identity document;

2. Proof of permanent residence or valid residence certificate, and proof of fixed residence;

3. Proof of marital status;

4. Bank statements;

5. Proof of income or personal asset status;

6. Credit report;< /p>

7. Loan usage plan or statement;

8. Other information required by the bank.