1. Applicant qualification: The age needs to be above 18, and some banks will require applicants to be at least 25 years old. At the same time, the borrower needs to have sufficient civil legal capacity and full civil capacity.

2. Stable income: The borrower needs to have a legal and stable source of personal income and the ability to repay the loan in full and on time. This requires that the applicant's monthly income is more than twice the monthly repayment amount of the loan to ensure that the applicant has sufficient repayment ability. At the same time, banks will also pay attention to the expenses of applicants. If the expenditure is too large, it will affect the repayment ability of the applicant.

3. Credit record: The borrower needs good personal credit, has no bad credit record such as loans overdue, does not belong to the credit blacklist user, and has no penalty to limit high consumption.

4. Bank flow requirements: Bank flow is an important basis for judging the borrower's repayment ability. The borrower needs to provide a bank statement for at least six months, with an average monthly income of not less than 3,000 yuan. Some banks will ask for records of deposits and withdrawals in the past six months. When printing bank running water, customers need to go to the business outlets to print in person and hold the original valid identity documents. If you are a married customer, you need the original ID card and marriage certificate of both parties.

5. Residence requirements: within the scope of banking business, the borrower needs to have a valid residence permit or resident account.