1. If you apply for a loan from the Disabled Persons' Federation, you need a disability certificate. In other words, the disability certificate can be borrowed from the Disabled Persons' Federation.
2. If it is a bank loan, certain conditions are required to use the disability certificate. Requirements for bank loans:
(1) For those who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Good credit information;
(4) Other conditions required by the lending bank.
Therefore, the acceptability of bank loans requires a stable source of repayment, good credit information or collateral with clear property rights, such as real estate and vehicles.