1. China citizens with permanent residence in China and permanent residence in local towns and 18-65 years old;

2. Abide by laws and regulations, and have no illegal acts and bad credit records;

3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

4. Other conditions stipulated by the bank.

Extended data:

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.

Reference: Bank Loan-Baidu Encyclopedia