the bank's requirements for the lender's credit information are: it can't be overdue at present, it can't be overdue twice in the past six months, it can't be overdue for three times in two years, and it has failed to repay the loan on time for six times. If the overdue records meet the above conditions, it will not affect the loan.

From a practical point of view, the basic conditions of the loan are:

First, Chinese mainland residents, aged under 6;

Second, it has a stable address and place of work or business operation;

Third, there is a stable source of income;

Fourth, there is no bad credit record, and the loan can't be used for stock trading or gambling.

fifth, having full capacity for civil conduct.