Legal analysis: you can borrow money if you meet the conditions of bank loan. To apply for a bank loan, you need to prepare information: 1. Valid identification. 2 permanent residence or valid residence certificate, permanent residence certificate. 3. Proof of marital status. 4. Banks are flowing. 5. Proof of income or personal assets. 6. Credit report 7. Loan use plan or statement. 8. Other information required by the bank.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans 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 loan application amount, term and currency 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.