The loan applicant has full capacity for civil conduct. The applicant is over 65,438+08 years old and the loan maturity date is not over 65 years old. He has a permanent residence or valid identity certificate in the town where the loan bank is located. The applicant has a stable income, good credit and the ability to repay loans.

Basic loan conditions: 1. Have legal and valid identification. 2. At least 18 years old, and the age plus loan period shall not exceed 70 years old. 3. Have the ability to repay the loan principal and interest on time. 4. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.