The first step is to understand the basic conditions for commercial banks to apply for small loans. 1, a citizen of China with full capacity for civil conduct in China; 2. Have a proper occupation and stable income, and be able to repay the loan principal and interest on schedule; 3. No bad credit record. In fact, it is not enough to simply meet the above conditions. Commercial banks attach great importance to applicants' credit, and must also have credit cards or savings accounts opened by banks. On the other hand, bidding must also comply with other regulations of commercial banks. Common preparation materials include: 1, commercial bank micro-loan application form; 2, ID card, the spouse also needs a marriage certificate (copy); 3, the borrower's income certificate or bank records; 4. Address certificate of the borrower (official seal); 5. Relevant information required by other commercial banks.