Conditions for bank loans:

1. The applicant must be a natural person with full civil capacity;

2. Have a permanent urban residence or valid residence status , that is, the borrower is required to have a legal identity;

3. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan;

4. Some banks will require applicants to apply for This bank's credit card or loan from this bank, and have a good credit record;

5. Some people also require assets recognized by the bank as mortgage or pledge, or those who meet the prescribed conditions and have the ability to pay. The unit or individual acts as a guarantor for repaying the principal and interest of the loan and assumes joint liability.