1. identification: valid identification documents, such as ID card and passport, are required.

2. Credit history: Financial institutions usually check the applicant's credit history to ensure that his credit status is good and he has the ability to repay the loan on time. The specific required credit score may vary from financial institution to financial institution, but it usually needs to have a good credit record and no serious overdue repayment or bad debt history.

3. Income requirements: The applicant's monthly salary or income usually needs to reach a certain level, which is enough to pay the loan repayment and daily expenses. Specific salary requirements will be determined according to factors such as loan amount and repayment period.