Legal analysis: In this case, it is impossible to apply for a loan in a bank. Unless you personally bring your ID card and household registration book to the bank counter for face-to-face signing, you can't sign a loan contract at the bank without yourself.

Bank loan application conditions:

1. The applicant must be a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. Have a local permanent residence or valid residence status;

3. Have a stable occupation and income, good credit, and the willingness and ability to repay the principal and interest of the loan;

4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records.

Bank loan application materials:

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide a single certificate, divorced need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4, the borrower's income certificate (continuous half-year salary bank running water or tax payment certificate);

5. If mortgage loan is needed, proof of the rights of the mortgaged property must be provided, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the appraised value of the mortgaged property.

Bank loan processing flow:

1. The borrower applies for a loan from the bank and submits the materials required for the loan;

2. The bank accepts the loan and conducts examination and approval to see if it meets the loan conditions;

3. After approval, the borrower signs a loan contract with the bank. Contracts include guarantee contracts, mortgage contracts, etc.

4. After signing the contract, go through the mortgage registration formalities;

5. The bank issues loans to borrowers;

6. The borrower repays the loan in full and on time;

7. After the loan is settled, if it is a mortgage loan, the mortgage cancellation formalities shall be handled.

Legal basis: Article 5 of the Regulations on Household Registration in People's Republic of China (PRC) defines household registration and what is the head of household: "Household registration is based on households. The person who lives with the supervisor is a household and the supervisor is the head of the household. An independent family, with me in charge. Households living in institutions, organizations, schools, enterprises, institutions and public dormitories * * * set up separate households or separate accounts. The head of household is responsible for reporting household registration in accordance with the provisions of these regulations.