Legal analysis: it is necessary to judge whether it meets the conditions of the loan. Generally speaking, the basic conditions for personal loans are as follows: 1, 18 years old, with full capacity for civil conduct, and valid residence certificate and identity certificate; 2 have a stable legal income and proof, and have the ability to repay interest; 3. When the loan business needs the down payment, it has the ability to pay the full down payment; 4. If the personal loan amount is large, the collateral conditions required by the bank shall be met; 5, such as credit loans, need to have a good reputation; 6. Other conditions meeting the requirements of the bank.

Legal basis: Article 13 of the Law of the People's Republic of China on Resident Identity Cards. Citizens engaged in related activities need to prove their identity, and they have the right to use their resident identity cards to prove their identity, and the relevant units and their staff shall not refuse.

The relevant units and their staff members shall keep confidential the personal information of citizens recorded in the resident identity cards obtained in the course of performing their duties or providing services.