1. The borrower needs to be 18 years old, and the longest loan age meets the requirements of the bank. Different banks have different regulations on the maximum loan period;

2. The borrower has a stable job and income and the ability to repay the principal and interest of the loan;

3. The borrower's personal credit status is good, and there is no bad record such as overdue personal credit information;

4. Collateral approved by the bank can be provided.