Legal analysis: The basic loan materials include the borrower's ID card, household registration book, spouse's ID card, marriage certificate, income certificate and good credit record. Only with the above materials can you apply for a loan in the bank. It is impossible to get a loan with your ID card, and it is impossible for a bank to judge your repayment ability with your ID card. The reason why I need so many materials is to confirm my repayment ability.

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

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

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.