Legal analysis: It takes one year for a business license to apply for a loan. Moreover, in the past six months, there must be a public-private partnership. Self-employed people can have no public tap water, and industries like steel trade have almost no mortgage loans; Or, if you have a house or a car, you can get a loan. The credit of the applicant and the credit of the applicant enterprise must also be good.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 24 A loan contract shall conform to the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the commitment of good faith, the purpose of loan funds, the object (scope) of payment, the amount of payment, the terms and methods of payment of all parties. The loan contract shall set up relevant clauses to clarify the liabilities of the borrower for breach of contract when he fails to perform the contract or slowly performs the contract.

Twenty-fifth lenders should establish and improve the contract management system to effectively prevent the legal risks of personal loans. If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.