You cannot apply for a loan only with your ID card and driver's license. According to current bank regulations, you must provide a business license or real estate and other collateral before you can apply for a loan; \x0d\ Please refer to the loan regulations for reference:\ x0d\ 1. Three joint guarantee loans\x0d\ The three operating economic entities are connected with their own industrial and commercial certificates, guarantee each other, and borrow from the bank;\x0d\ Loan procedures require: providing their respective identity certificates, household registers, and marriage certificates , industrial and commercial certificate, tax certificate, capital flow, operating status and other relevant certificates, the repayer is the person in charge of each business;\x0d\ The operating enterprise (industrial and commercial license) applies for a loan for the lender. \x0d\　Loan procedures require: Identity certificates of the borrower and his wife, household register, marriage certificate, real estate certificate, land certificate (or copy), industrial and commercial license, tax registration certificate, income certificate, bank flow of funds, and house evaluation Report.