1. Good credit record: Banks usually evaluate your repayment ability and credit risk through your credit record. Make sure that your credit history has no bad records or overdue conditions, which will improve your chances of getting a loan.

2. Stable source of income: The bank will ask you to provide a stable income certificate to ensure that you have the ability to repay the loan on time. A steady income from work or business can increase your success rate in applying for a loan.

3. Low debt burden: The bank will consider your current debt level. If you have other debts such as loan, credit card or installment payment, it may affect the approval result of your loan. Minimizing the debt burden will help to obtain higher loans.

4. The purpose of the loan is clear and legal: you need to clearly state the purpose of the loan to ensure that the purpose is legal and compliant, such as housing, education, medical expenses, etc. Banks usually don't approve loan applications for gambling, illegal business or other high-risk purposes.

Summary:

To get a loan of 70,000 yuan, you need to have a good credit record, a stable income source, a low debt burden, and be able to clearly and legally explain the purpose of the loan. These conditions can improve your chances of successful loan.

Extended data:

According to the specific bank policies and personal circumstances, there may be other factors that will affect the loan approval results. For example, your working years, the proportion of application amount to annual income, and the loan period may all have an impact. It is suggested to consult banks or financial institutions for more detailed information before applying for loans, so as to increase the success rate of loans.