Legal analysis: loan application conditions: applicant 18-60 years old; Have a certain ability to repay the principal and interest; Personal credit information is good, and there is no overdue or illegal record; Personal debt ratio is moderate. If the debt ratio exceeds 50%, the bank will think that the user's debt is too high. Some loans also require users to provide proof of income.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.

Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.