Citizens who are 21 years old and have full civil capacity can apply for a loan.

Take personal credit loans as an example

Loan application conditions:

Applicants must be between 18 and 65 years old and have full capacity for civil conduct. Legal residents.

Have stable and legal economic income at the place of application, and have a certain ability to repay the loan.

Have a stable detailed residential address and no bad social credit.

Legitimate uses of loan funds

Other conditions stipulated by the bank

Loan preparation information:

Personal identity certificate

Employment certificate and detailed address

Bank statements for the past six months

Personal detailed credit report

Other information required by the bank

Loan processing process:

The lender submits the application and relevant information to the bank

The bank accepts the application and reviews whether the lender's information meets the loan requirements

Approved , both parties sign a loan agreement

The bank issues loans to the lender through transfer