Legal analysis: 1. The borrower and the borrower's valid identity documents, such as identity cards, household registration books, marriage certificates, etc. ;

2. Work certificate or income certificate with company official seal;

3. Proof of economic strength/financial resources, such as real estate license, driving license, financial management certificate, bank running, five insurances and one gold deposit certificate;

4. Personal credit report, and no bad credit record.

Legal basis: Article 6 of "Several Opinions of the Supreme People's Court on People's Courts Handling Loan Cases" can be higher than the bank's interest rate, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum shall not exceed 4 times (including interest rate) of the bank's similar loan interest rate. Beyond this limit, the excess interest will not be protected.