1. Ensure that the borrower's credit record is good and there are no bad records such as overdue.

2. The borrower must have a stable source of income and repayment ability, and be able to repay the loan principal and interest on time.

3. Abide by relevant laws, regulations and rules when using the loan, and do not violate the terms of the contract.

4. The lending institution will evaluate the borrower's repayment ability and credit status and think that the borrower has the conditions to continue to use the loan. If it meets the requirements, it can be reused.