1. Lending is voluntary lending by both parties;
2. Lending funds must belong to the lender's own funds owned or controlled by the lender. The loan relationship formed by the property that is not owned by the lender or over which the lender has no control is invalid and not protected by law;
3. It is forbidden to absorb other people's funds for lending;
4. The interest shall not exceed the upper limit stipulated by the state (four times the interest rate of bank loans in the same period), and the excess shall be invalid;
5. The purpose of borrowing must be legal, and it is not allowed to provide loans for others to engage in illegal activities.
Reaching the statutory scope is protected according to Article 35, Paragraph 25 and Article 17 of the General Principles of Civil Law, otherwise it will be invalid.