If you go to the bank for a loan of 200,000 yuan, the main conditions that need to be met are:

1. Meet the age limit. For example, if the bank stipulates that the age is above 18 years old (inclusive) and 65 years old ( If you can apply for a loan only if you are below 18 years old and above 65 years old, you will not be able to apply for it.

2. A natural person with full capacity for civil conduct.

3. Have a permanent residence or fixed residence at the location of the lending bank.

4. Have a legal and stable source of economic income and the ability to repay the principal and interest of the loan on time.

5. Personal credit is good and there is no bad credit record on the credit report.

6. Have qualified collateral or a third party with good credit standing as guarantee.

If you meet the above conditions, you can prepare the information and go to the bank to apply for a loan. The main materials that customers need to prepare are: personal ID card, household registration book (married people must also prepare a marriage certificate), residence utility bill payment slip, as well as bank statements, salary slips and other income proof, as well as collateral. Proof of ownership and other information. If you have a certain amount of assets and financial resources, you can also prepare more information in this area, such as large deposit certificates, car driving licenses, real estate certificates, etc.