1, a citizen of China with full capacity for civil conduct who has a fixed residence in China;

2. Have the ability to repay the loan principal and interest on schedule;

3. No bad credit record;

4. Other bank microfinance conditions stipulated by the lender.

legal ground

Article 144 of the Civil Code

A civil juristic act carried out by a person without capacity for civil conduct is invalid.

Article 146

A civil juristic act in which the actor and the counterpart have false meanings is invalid.

The validity of a concealed civil juristic act with false intention shall be handled in accordance with relevant laws and regulations.

Article 668

A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.