Legal analysis: 1, having a fixed income and a stable residential address depends on the salary details. 2. The age is between 18 and 65 years old. 3. Have full capacity for civil conduct. 4. The borrower's credit information is good and there is no bad record. 5. Have a good willingness to repay. 6. Loans cannot be used for improper behaviors such as stock trading and gambling.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.