Legal analysis: personal loan application conditions: 1. Age 18-60 years old; 2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule; 3. The borrower's actual age plus the loan application period shall not exceed 70 years old; 4. There are legal and effective housing purchase, construction and overhaul contracts and other supporting documents; 5. There is a down payment of more than 30% of the total price of the purchased house; 6. There are assets approved by the lending bank for mortgage or pledge.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.