The following conditions are usually required:

1. The borrower has good credit status, repayment ability and willingness, and can provide sufficient repayment guarantee.

2. The borrower provides property or other valuable assets as mortgage or pledge to ensure the safety of repayment.

3. The borrower can provide sufficient repayment guarantee measures, such as providing a guarantor or promising a guarantee agreement.

4. The borrower's loan purpose must comply with the provisions of laws and regulations, and must be legal and reasonable, and cannot be used for illegal activities and illegal acts.