Legal analysis: No need. Unsecured bank credit loan conditions: 65,438+0,65,438+08 years old with full civil capacity, permanent residence of urban residents or legal and valid identity certificate, and the lender's bank loan age is generally between 65,438+08-60; 2. Have a stable legal income and the ability to repay interest; 3. Other conditions required by the lending bank.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 217 If the person subjected to execution fails to perform the obligations specified in the legal document according to the execution notice, it shall report the current property status and the property status one year before the date of receiving the execution notice. If the person subjected to execution refuses to report or make a false report, the people's court may, according to the seriousness of the case, impose a fine or detention on the person subjected to execution or his legal representative, the principal responsible person of the relevant unit or the person directly responsible.

Article 218 If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits of the person subjected to execution from banks, credit cooperatives and other units with savings business, and has the right to freeze and transfer the deposits of the person subjected to execution, but the inquiry, freezing and transfer of deposits shall not exceed the scope of the obligations that the person subjected to execution should perform. When the people's court decides to freeze or transfer deposits, it shall make a ruling and issue a notice of assistance in execution, which must be handled by banks, credit cooperatives and other units with savings business.