Hello, generally speaking, the basic conditions that a personal loan needs to meet are as follows:

1. At least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;

2. Have a stable legal income and proof, and have the ability to repay interest;

3. When the loan business requires down payment, it has the ability to pay the full down payment;

4. For personal loans with a large amount, the conditions of collateral required by the bank need to be met;

5. If you apply for a credit loan, you need to have a good reputation;

6. Other conditions that meet the requirements of the bank.

Personal loans are roughly divided into personal real estate loans, personal automobile consumption loans, personal bulk consumer goods loans and personal micro-credit loans, and the requirements for bank loans are different according to different types. I hope that you will consult in detail when applying.

in addition to personal bank loans, there are also commercial loans from enterprises. For the loan business of large and medium-sized enterprises, bank loan requirements are also different from personal loans. The loan object of a commercial loan must be a business enterprise, that is, it has economic income, the prepaid value can be compensated and increased, and there is a source of funds to repay the principal and interest of the loan. Enterprise loan requirements should meet the legitimacy and independence of operation, have a certain amount of self-owned funds, open a basic deposit account in a bank, have the ability to repay the principal and interest on schedule, and have good credit. In addition, other requirements such as collateral required by banks need to be met. The specific loan requirements of each bank are different, and lenders need to go to specific banks for corresponding consultation.

In addition, if you need urgent money, you can also consider online loans. It is suggested that you choose a big brand to make loans, with transparent interest rates and fees, while ensuring your information security. Rich Flower is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Rich Flower, renamed as "Rich Flower" in June 218), with a maximum loan amount of 2, and a minimum interest rate of .2%. You can click on the amount to find out.

the above answers are provided by the rich flowers, and I hope they will help you.