The basic requirements for handling unsecured personal loans are: 1. The applicant has reached the age of 25 and has full capacity for civil conduct; And have a permanent residence in Zigong or a valid residence certificate. Second, the applicant has a fixed occupation or a stable economic income, and can guarantee the ability to repay the principal and interest on schedule. Third, the credit record is good and there is no bad credit record. Fourth, it can provide legal and effective guarantees recognized by banks. Fifth, other conditions stipulated by the bank.