In order to meet the different needs of different loan users, financial institutions have launched a variety of distinctive loan products. Different types of loan products have different provisions for borrowers, but no matter what kind of loan they apply for, borrowers must generally meet the following preconditions.

1. Borrower 18 years old or above, and the maximum age is not more than 60 years old or 65 years old;

2. The borrower has a permanent residence or a reasonable and true identity certificate in the city where the loan bank is located;

3. The borrower has a reasonable and legal post, a stable income and the ability to repay the loan principal;

4. The borrower's personal credit information is excellent, there is no loans overdue record, and the personal credit investigation data is less;

In addition, some users also require borrowers to be paid by banks before applying for loans. Some financial institutions also require borrowers to open an account in a bank before they have the opportunity to apply for loans. In addition, if it is a mortgage loan, the borrower will also give collateral recognized by financial institutions. The specific loan conditions shall be subject to the provisions of financial institutions.

Generally speaking, if you want to get a loan successfully, you need the ability and willingness to repay it.