The banks have different requirements their loans. Most banks require that you:
The bank will always make a credit check on you.
You do not have to own anything to get a personal loan. Therefore this kind of loan is often called unsecured debt. You do not require any collateral or surety (such as parents). In order to increase the likelihood of getting the loan approved, it may be a good idea to apply with a co-applicant such as a spouse or partner. When you apply together you will also pay lower interest rate than if you are applying alone.