1. Borrower's age: it needs to be between 18 and 60 years old, and the actual age of the borrower plus the loan application period should not exceed 70 years old; At the same time, the borrower also needs to be a citizen with full civil capacity;
2. The borrower's income is stable: in order to apply for a loan, the borrower must have a stable income, because the borrower has a stable income to repay the arrears. In this regard, banks usually look at the borrower's bank running account and income certificate. If the borrower doesn't even have a stable income, the risk of overdue after borrowing is even greater. For such borrowers, banks and lending institutions will be cautious in lending.
3. Personal credit status is good: when the borrower applies for a loan, the bank will inquire about the borrower's personal credit information, and only when the personal credit information is good can the loan application be obtained. The bank will check whether there are overdue bad records on the borrower's credit information and personal credit inquiry records. If the borrower's personal credit information is overdue, the risk of overdue after borrowing will be greater. In addition, if there are too many personal credit inquiries, banks will suspect that borrowers have economic problems in the near future, so they will lend cautiously.
4. No other large-scale liabilities: When the borrower applies for a bank loan, the bank will also look at the borrower's current liabilities. If he has more debts under his name, it will inevitably reduce the borrower's repayment ability, so banks generally require the borrower's debt ratio. If the borrower has a large amount of foreign debt every month, even if it has never been overdue, the bank will still be worried about the borrower's repayment ability and may refuse the borrower's loan application.