1. The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state.
2. The purpose of the loan is clear and legal.
3. The loan application amount, term and currency are reasonable.
4. The borrower has the willingness and ability to repay.
5. The borrower's credit status is good and there is no significant bad credit record.
6. Other conditions required by the lender. You can't borrow money if your credit is not good. When making a loan, the bank will check the personal credit information and refuse to issue a loan if it finds that there is a problem with the credit information.