Hello, general loans are required to have \xd\ 1. The borrower is between 22 and 65 years old and has full capacity for civil conduct. \xd\ 2. Good credit information, repayment ability and repayment source. \xd\ 3. The purpose of the loan is clear and legal, and the loan shall not be used for speculative business activities in equity, securities and futures, or for real estate speculation, or for illegal income. \xd\ 4. Collateral is available (the collateral cannot be mortgaged across provinces, the borrower has full disposal right, the collateral has not been mortgaged, and there is no legal dispute).