For many loan methods in China, the requirements for bank loans are the most stringent. First, the bank will pay attention to whether your credit record is good, and secondly, make a record of the borrower's property (similar to being used as a mortgage), and at the same time require the borrower to provide a formal income flow of at least half a year. The reason for this is that the bank has to assess whether an individual has the ability to repay, so no matter your age, as long as you don't meet these conditions, you will be easily rejected. At the same time, The specific reasons for the rejection of bank credit loans can be found on Kameng. com: /news181536/