Legal analysis: When individuals apply for loans from banks, they mainly carry information that can prove their personal identity, including ID card, household registration book, marriage certificate and residence permit. In addition, you should also prepare materials to prove your repayment ability: work certificate, income certificate, bank account, assets certificate (social security provident fund, mortgage house, full house, life insurance policy, car, wealth management, large deposit certificate) and so on.

Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide true information about the business activities and financial status related to the loan according to the requirements of the lender.