The ID card has been loaned in the bank. As long as the lender has sufficient repayment ability, it can apply for a loan again. Generally speaking, to apply for a personal loan, you need to meet the following conditions:

1, China citizens have full capacity for civil conduct;

2. Have the ability to repay the loan principal and interest on schedule;

3. The lender's credit status is good, and there is no malicious overdue record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose cannot be used for stock trading, gambling and other behaviors;

6. Other conditions stipulated by the bank.

The process of formal banking business is as follows:

First of all, the borrower needs to submit a series of materials to the bank except the ID card, including

(1) loan application approval form (to be filled in by the lending institution);

(2) Proof of residential address (certificate issued by neighborhood committee or water and electricity payment invoice);

(3) proof of occupation and income;

(4) Other information required by the bank.

Secondly, after the bank approves the application materials submitted by the borrower, the two parties sign a loan contract.

Finally, the bank issues loans to borrowers through transfer.