You can't just build a bank card to make a loan, and you can apply for a loan only if you meet the bank's loan conditions. Bank loan refers to an economic behavior that banks lend funds to people in need at a certain interest rate according to national policies and return them within the agreed time limit. Due to different loan types, the conditions and materials for applying for loans are also different.

Extended data:

The requirements for bank loans and personal loans are as follows:

Banks require borrowers to have second-generation ID cards, stable work certificates, income certificates, loan use certificates and good personal credit status, which has certain restrictions on borrowers' income. Usually, the borrower is required to have an average monthly income of not less than 4,000 yuan.

After submitting relevant application materials, banks can apply for loans with a monthly income of 5-8 times, that is, unsecured loans and new loans from Ping An Bank.