Conditions for individuals to borrow from banks: 1. The applicant must be a natural person with full capacity for civil conduct. 2. Having urban permanent residence or valid residence status requires the borrower to have legal status. 3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan. 4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records. 5. Some also require assets recognized by banks to be provided as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory ability to repay the principal and interest of loans as guarantors and bear joint and several liabilities.

Legal objectivity:

Article 17 of the General Principles of Loans: When applying for a loan, the borrower shall meet the following basic conditions: the product has a market, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed; 1. The borrower can repay the loan principal and interest on schedule, and the original loan interest payable and the loan due have all been paid off; If there is no repayment, a repayment plan approved by the lender has been made; Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic account or general deposit account has been opened; Four, unless otherwise stipulated in the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; V. The borrower's asset-liability ratio meets the requirements of the lender; Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.