1. has the ability to repay the principal and interest on schedule, and the original loan interest payable and the due loan have been paid off;
2, should go through the annual inspection procedures of the industrial and commercial departments, because only after the annual inspection of the industrial and commercial departments and go through the annual inspection procedures, can we verify the development and changes of the sole proprietorship enterprise and ensure the authenticity of the loan application information and the authenticity and legitimacy of its business qualifications;
3. basic deposit account or general deposit account has been opened;
4. The asset-liability ratio of the sole proprietorship enterprise meets the requirements of the lender;
5. When applying for a loan, the proportion of the owner's income to the total investment required for the project meets the specified requirements.
Legal basis: Article 8 of the Law of People's Republic of China (PRC) on Sole proprietorship Enterprises shall meet the following conditions for establishing a sole proprietorship enterprise:
(1) The investor is a natural person;
(2) Having a legal enterprise name;
(3) The amount of capital contribution declared by the investor;
(4) Having a fixed place for production and business operation and necessary conditions for production and business operation;
(5) Having necessary employees.