1. The borrower must be at least 18 years old, have full capacity for civil conduct and have legal and valid identification, which is the prerequisite for applying for a loan from the Agricultural Bank.

2. The borrower has a stable income and can repay the loan in time. Generally speaking, when handling a loan, the borrower's running water in the last six months must be submitted, and the bank will lend only if the income is sufficient.

3. The borrower's credit record must be good. If the borrower is overdue for six or three times in a row in the past two years, the bank will refuse the loan, even if it changes banks.

4. When handling the loan from ABC, there must be a personal settlement account. You also need to explain the purpose of the loan so that you can get the money. Because of the different types of loans, banks may need other supporting materials, so it is best to consult before handling loans.