Generally speaking, to apply for a personal loan, you need to meet the following conditions:

1.

Having a fixed residence at the place where the loan bank is located, having a fixed residence or a valid residence certificate, being under 65 years of age (inclusive) and having full capacity for civil conduct.

Capable citizens of China.

2.

Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule.

3.

Have a good credit record and willingness to repay, and no bad credit record.

4.

Can provide legal, effective and reliable guarantee recognized by the bank.

5.

There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions.

6.

Other conditions stipulated by the bank.

7.

Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount.