Requirements for college students' credit loan conditions:
1. has reached the age of 18, and has legal and valid identity certificate and legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;
2. Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;
3. The borrower has certain self-owned funds for investment projects;
4. The purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for equity investment;
5. Open a settlement account in the bank, and the operating income will be settled by the bank.