1, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

3. Good credit record and no bad credit record.

4. It can provide legal and effective guarantee recognized by the bank.

5. Other conditions stipulated by the bank.

Generally meet the above conditions, you can apply for a loan from a commercial bank.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

People's Republic of China (PRC) Commercial Bank Law

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.

Article 36 Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.