Banks can mainly handle the following types of loans: personal credit loans, house mortgage loans, college student entrepreneurial loans, self-employed loans, and house mortgage loans. For different types of loans, the application requirements are also different. Taking self-employed loans as an example, the following conditions must generally be met:

1. The borrower has full civil capacity and has a registered residence in the locality where the loan is made;

2. The borrower has a fixed local business location;

3. The borrower has a stable income and the ability to repay the principal and interest of the loan on time;

4. The borrower can supply Legal mortgage (pledge);

5. The borrower opens a deposit account at the lending bank.