Legal analysis: Only when certain conditions are met can the loan be renewed. The required materials and procedures are as follows: the original and photocopy of the borrower's legal identity documents (household registration book, resident identity card or other valid residence documents, marriage certificate, etc.). ); Original and photocopy of business license; Proof of the borrower's family property and economic income (including personal income certificate or tax payment certificate issued by the personnel department of the borrower and his spouse's unit, bank deposit certificate, real estate license, securities, etc.). ); Information that can prove the reasonable use of the loan, such as clear production and operation plans, tax payment vouchers, purchase orders, etc.; List of collateral (pledge), proof of ownership, proof that the person who has the right to dispose of it agrees to mortgage (pledge), collateral evaluation report issued by the competent department or an evaluation agency recognized by the bank, or collateral evaluation agreement and collateral insurance policy signed with the bank; Other information required by the bank.

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

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.