Before you apply for a personal bank loan, you should make a list of the following things so that it becomes easy for you to borrow a personal bank loan. The points that should be taken care off are your financial status, your monthly income, your monthly expenses, and any asset of yours (that you own that), deduct your legal responsibilities (if any) and last but not the least, if you have any kind of debt in any other areas. If you applying for a personal bank loan, then the prime factor that the banks take into consideration is weather you have a steady flow of monthly income or not. A letter confirming your monthly income should be asked from your office employers. Along with the proof that your salary is deposited in your bank account or you get an invoice statement that is a cheque. If you do not qualify for a bank loan, do not be disheartened as you will find a dozens of lenders who will lend you a loan.