Minsheng Bank renovation personal loan application conditions are: 1. Having a local permanent residence and a legal and valid identity certificate; 2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity. 3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc. 4. For newly purchased houses, materials such as house sales contracts and purchase invoices shall be provided (or materials such as house ownership certificates shall be provided if the original houses are renovated again); 5. Other conditions stipulated by the Cooperation Organization.