Legal analysis: 1, applicant 18-60 years old, in good health, with a local hukou or living in the local area for one year; Having a business license issued by the industrial and commercial department and passing the annual inspection; Normal operation for more than three months; The main business place is within the scope of the city (county) district. 2. Guarantee conditions: If the loan amount is below 654.38+00000 yuan (excluding), you only need to find a guarantor. The guarantor must be a national civil servant, institution, regular employee of large and medium-sized enterprises or a group with relatively stable income such as teachers and doctors. The loan amount is 1 1,000 yuan-1 1,000 yuan. You need to find two guarantors, one of whom must be a national civil servant, institution, regular employee of large and medium-sized enterprises, teachers, doctors and other people with relatively stable income, and the other guarantor must have a fixed occupation or a stable income.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 7 The use of personal loans shall comply with the provisions of laws, regulations and relevant state policies, and lenders shall not issue personal loans without specific purposes. Lenders should strengthen the management of loan fund payment and effectively guard against personal loan business risks.

Article 8 The term and interest rate of personal loans shall be implemented in accordance with the relevant provisions of the state.

Article 9 The lender shall establish a reasonable control mechanism for the borrower's income and debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each installment not to exceed its repayment ability.