When an individual applies for loan renewal, the required materials include: the borrower's identity certificate and household registration book, the borrower's marriage certificate, the borrower's income certificate and assets certificate, and the bank account. If an enterprise wants to renew its loan, it needs the following materials: applicant's identity certificate and enterprise legal person's identity certificate, company tax registration certificate, company business license, account opening permit, etc. In addition to the bank card for loan, the company's financial report, the company's business premises property certificate or related lease contracts.

Renewing loan is a term in the field of banking and finance, which refers to continuing to borrow another sum of money with credit and corresponding guarantee. The extension of working capital loan is the behavior of continuing to issue working capital loan to customers.

Working capital loans are loans issued by banks to meet customers' temporary and seasonal capital needs in the process of production and operation, and to ensure the normal production and operation activities, or loans issued by banks to borrowers to meet the long-term average demand for working capital in the process of production and operation.

Working capital loans can be divided into: temporary working capital loans with a term of less than 3 months (inclusive), which are mainly used for the temporary capital needs of enterprises to purchase goods at one time and to make up for the shortage of other payment funds; Short-term working capital loans, with a term of 3 months to 1 year, are mainly used for the working capital needs of normal production and operation of enterprises; Medium-term working capital loans, with a term of 1 to 3 years, are mainly used to meet the needs of enterprises that often occupy funds in normal production and operation.