Materials required for a natural person to apply for a loan: the party's ID card and household registration book; Proof of marital status; Proof of income; And collateral ownership certificate and other materials that can prove that the borrower has full civil capacity, repayment willingness and good repayment ability.

legal ground

Article 11 of the Interim Measures for the Administration of Personal Loans

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 12

The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.