Legal basis: Article 11 of the Interim Measures for Personal Loans shall meet the following conditions when applying for personal loans:
(a) the borrower is a citizen of People's Republic of China (PRC) 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 amount, duration and currency of the loan application 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.