Required. Loans require mailing bank cards and mobile phone cards, and going to the bank for an interview in person before the loan can be disbursed. You need to prepare the information required for the loan, including ID card, household register, work certificate, income certificate, etc., and then submit it to the bank. The bank will review your information. If the review is passed, the bank will issue the loan and ask you to mail it. Bank cards and mobile phone cards, as well as going to the bank for an interview in person to confirm the loan information, can then disburse the loan.