Legal analysis: 1. Bring a copy of the second-generation ID card, a copy of the household registration book, and the original work certificate with official seal issued by the lender's current work unit. 2. If the self-employed and the person in charge of the company will produce a copy of the business license and the equity certificate. 3. You also need the original personal income certificate, the original personal credit report and the proof of marital status. 4. After preparing the above information, go to the credit department of the bank outlet where the mortgage loan is handled, and there will be an account manager specially responsible for this business to receive the lender. 5. The audit period is usually 7 to 15 working days. After passing, the outlet will inform the lender to go to the outlet to apply for a debit card for loan and repayment.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 11 An individual loan application 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 amount, duration and currency of the loan application 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.

Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.