1. The sum of the borrower's age and the loan term shall not exceed 60 years old;

2, the project is feasible or has the ability of sustainable development, and the project self financing is not less than 30%;

3. The guarantee is provided by the microfinance guarantee institution at the same level as the recommendation department. If there is no guarantee institution at the same level, it may apply to the superior guarantee institution for guarantee or provide other guarantees recognized by the bank;

4. No bad credit records or major violations of laws and regulations;

5. Good physical condition and certain skills;

6. Business activities involving loans have started, and a certain amount of investment has been formed;

7. Being able to repay the loan on schedule under the current operating conditions or reasonably expected operating conditions, and the repayment ability does not depend on the financing of other parties, and the repayment does not affect its own operations;

8. Other conditions deemed necessary by the bank.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.