One is age. Banks generally require borrowers to be 18-60 years old.

Second, work, the borrower must have a stable job, and the longer the working life, the better. For office workers working in ordinary enterprises, it is generally required to work in the current unit for more than half a year. If you are an office worker working in a public institution or other public institutions, you can be more lenient and work in your current unit for three months.

Third, income, the borrower has a fixed source of income to ensure that the principal and interest of the loan are repaid on time. For the requirements of income, different banks in different regions have different regulations, and the same bank has different regulations in different regions. For example, borrowers with a monthly punch card salary of more than 2,000 yuan can apply, while other borrowers can only apply if their monthly punch card salary is more than 5,000 yuan.

Fourth, credit. Borrowers with good credit records have good repayment intentions and are more likely to gain the trust of banks.