From a practical point of view, the basic conditions for loans are:

First, Chinese mainland residents under the age of 60;

Second, it has a stable address and work or business premises;

Third, there is a stable source of income;

Fourth, there is no bad credit record, and the loan cannot be used for stock trading, gambling and other acts;

Fifth, it has full capacity for civil conduct.

As long as your mobile phone is not overdue, many banks can still lend money according to your actual situation.