Legal analysis: an ID card with a criminal record will not affect the loan, but it will be stricter in the qualification examination of the loan. As long as it is not an economic criminal record, it is generally possible to borrow money. The bank loan conditions are as follows: 1, the borrower's valid ID card and household registration book; 2, proof of marital status, unmarried need to provide proof of unmarried, divorce needs to issue a court civil mediation or divorce certificate (indicating that you have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 1034 of the Civil Code of People's Republic of China (PRC) * * * Personal information of natural persons is protected by law. Personal information is all kinds of information recorded electronically or in other ways that can identify a specific natural person alone or in combination with other information, including natural person's name, date of birth, ID number, biometric information, address, telephone number, e-mail address, health information, whereabouts information, etc. The privacy information in personal information shall be subject to the provisions on privacy; If there are no provisions, the provisions on the protection of personal information shall apply.