1. The loan applicant needs to meet the age requirements of the loan applied for.

2. Applicants need to have a stable job and income, and have the ability to repay on time.

3. Applicants need to have a good personal credit report, be able to repay on time and not overdue.

4. If the application amount is large, you need to provide a guarantee recognized by the bank.

5. Meet other requirements of banks and loans, and users can submit them according to the standards.