Legal analysis: Disabled people can apply for loans from local street, town and district disabled persons' federations, or apply for business loans from banks. To apply for loans from street, town and district disabled persons' federations, you need to prepare the following materials: 1. I have a loan application report for the disabled; 2. The ID card of the guarantor for the disabled, the disability certificate for the disabled, and the original and photocopy of the ID card; 3. Loan contract; 4 self-employed disabled small interest-free loan approval form. Bank loans need to prepare the following materials: disability certificate, personal identity certificate, income certificate, business license, residence certificate, water and electricity payment list for more than three months and other auxiliary certificates.

Legal basis: Article 412 of General Principles of Civil Law of People's Republic of China (PRC) * * * If the debtor fails to perform the due debts or realize the mortgage right according to the agreement of the parties, resulting in the collateral being sealed up by the people's court according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the collateral from the date of sealing up, except that the mortgagee has not notified the debtor who should pay off the legal fruits. The fruits specified in the preceding paragraph shall be used as the expenses for collecting fruits first.