1. The borrower should be between 22 and 55 years old, but some banks require the user to be over 25 years old and must be a natural person with full civil capacity.

2. The borrower's social security payment time should meet the requirements of the bank. Banks with different payment times have different requirements, but the basic payment time should be more than 18 months.

3. The borrower must have a stable and good income, and the monthly income is preferably twice that of the loan. It is necessary to assure the bank that he has a strong willingness to repay and a good repayment ability.

4. The borrower must have good personal credit, and the credit report cannot be overdue, nor can it be blacklisted or blacklisted. Banks still attach great importance to users' personal credit information.