General bank loan conditions include:

1. The borrower needs to be a resident of mainland China and meet the loan age.

2. The borrower is a person with full capacity for civil conduct.

3. The borrower has a stable income.

4. The borrower’s credit report is good.

5. The borrower has good repayment ability.

6. Other bank loan conditions.

7. Have housing provident fund or social insurance.

8. Have a business or factory.

9. Have something that can be mortgaged to the bank.

Since applying for a bank loan requires waiting for the bank's verification and approval before it can be issued, which takes a long time, many people choose some reliable credit loans from big brands to solve the problem of urgent money. However, you must also pay attention to the reasonable loan and not blindly borrow money. If you fail to pay the loan, your personal credit report will be affected.

The reason why the bank lends us a loan is because we have the ability to repay the loan. The bank also needs to check our personal capital account details, such as the capital flow details of our bank cards, usually within the last six months. Consumption records, including our expenditure records and sources of income, can be clearly seen through the flow of funds. If the bank finds that your financial sources are relatively small, the bank will not lend money to you. For us, because the bank is also afraid that we personally will not have a bank to repay in the future, and then we need to arrange for people from the bank to come to collect money, it is a waste of time and energy.

So our personal financial ability plays a key role. If we have stable financial resources, then when we borrow from the bank at this time, the bank will lend us money, because the bank feels that we You have the ability to repay the loan in a timely manner, and you can also repay the interest on the loan. The reason why banks provide housing loans is for interest, because banks also want to make money.

Finally, the bank also needs to check the personal credit report. Before we apply for a loan, you can check it yourself. You can search for "Personal Credit Report of the People's Bank of China" online, and then follow the prompts to enter your own Name and ID number, and then make an inquiry.