Chinese citizens with full capacity for civil conduct, the ability to repay the principal and interest of the loan on time, a good credit record and willingness to repay, a monthly income of more than 2,000 yuan, and no bad debts left in the bank Records etc.

1. Chinese citizens with full capacity for civil conduct

Full capacity for civil conduct means that citizens can carry out any civil activities through their own independent actions. Citizens who are over 18 years old and mentally healthy are persons with full capacity for civil conduct. Taking into account the current situation of our country's nine-year compulsory education system, citizens who are over 16 years old and under 18 years old.

2. Have the ability to repay the principal and interest of the loan on time

Have the ability to repay the principal and interest of the loan on time, that is, the borrower has a stable career and stable income and can repay the principal and interest of the loan on time. For example, if the monthly income and fixed balance are more than 10,000 yuan, and the monthly repayment is less than 5,000 yuan, you can be considered capable.

3. Have a good credit record and willingness to repay.

Have a good credit record and willingness to repay, and have no bad credit record. Maintaining a good credit record can improve an individual's convenience and possibility of obtaining financial support and financing services. Establish your creditworthiness and work hard to maintain a good credit history. Extended information

Online loan risks:

1. The virtual nature of online transactions makes it impossible to verify the credit status of both borrowers and lenders, which easily leads to fraud and default disputes over non-payment of debts.

2. Among the large amount of lender information released by the online platform, many of them issue loans in the names of "loan companies", "financing companies", etc. In fact, only financial institutions approved by the state can engage in financial services such as credit financing. Those who engage in financial activities without authorization are often held legally responsible for "illegal fundraising", "illegal attraction of public deposits" and disrupting financial management order. .

3. If loans are issued through an online platform, if the online platform neglects self-discipline, or the internal control procedures fail, or is exploited by others, it may be possible to fabricate loan information and illegally raise funds. .

Baidu Encyclopedia-Online Loans