1. The degree of disability is light, and he still has full capacity for civil conduct. If the person is restricted or has no capacity for civil conduct due to mental or other diseases, he can't take care of himself and doesn't have the basic conditions for loan.

Two, have a strong ability to repay the principal and interest, including the first and second sources of repayment.

Three, the loan must be used for the specified legal scope.

Four, engaged in the industry belongs to the national licensing industry.

Any qualified disabled person can apply for a loan. Different regions give different preferential loans to the disabled, generally as follows:

1. prime loan interest rate. Under normal circumstances, all disabled people who can apply for loans can apply for subsidies according to the loan interest rate, and the highest applicant can get 90% discount;

Two, special funds for loans for the disabled. Many areas have also set up special support funds for disabled people to start businesses, where disabled people can apply for tens of thousands to hundreds of thousands of small support loans.

Why can some disabled people get loans? And some can't? The analysis is as follows:

The bank's requirements for ordinary natural person borrowers are not aimed at the disabled, but treat everyone equally.

1. Legitimacy of the borrower. Age and nationality restrictions, that is, you must have China nationality, be over 18 years old and not more than 60 years old (female 55 years old).

2. A natural person with full capacity for civil conduct. That is, a natural person who can independently bear civil liability and perform obligations. In other words, people with limited capacity for civil conduct and people without capacity for civil conduct cannot borrow money.

3. The borrower shall have the ability to repay the principal and interest when due, including the first repayment source through its own production and operation, and the second repayment source due to production and operation risks, that is, full mortgage or guarantee.

Four, the use of loans must be legal. In other words, the borrowed money must be used according to the agreed purpose, and cannot be used in illegal fields, such as gambling, smuggling, drug trafficking or other fields prohibited by the state.

Five, engaged in the industry must be licensed by the state, banned or launched a list of industries that prohibit loans, such as high energy consumption, heavy pollution and other prohibited industries.