Legal analysis: Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. (1) Proof of identity: The original and copy of the ID card are required (if married, a spouse’s ID is required). If the original ID card is lost or cannot be used for other reasons, a temporary ID card can also be used.

Legal basis: "The People's Republic of China and the Civil Code"

Article 667: The loan contract means that the borrower borrows money from the lender, and returns the loan and pays when due interest contract.

Article 668: A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.