1. Applicant qualification: Applicants usually need to be natural persons with full civil capacity, and their age is within a certain range (usually 18-35 years old).

2. Loan purpose: Loans are usually used to support entrepreneurial activities, such as purchasing equipment, raw materials, paying rent and wages.

3. Repayment ability: Applicants need to have a stable source of income and be able to repay on time.

4. Credit history: Applicants need to have a good credit history and no bad loans or credit card arrears.

5. Guarantee conditions: some loans need to be guaranteed, which can be individuals or institutions. The specific requirements vary with lending institutions and regions.