2. Income conditions: The borrower needs to have a stable job, so as to have a sustainable income and a source of funds to repay the loan principal and interest. The average bank requires the borrower's income to be twice the monthly payment before lending. Usually, a personal credit loan requires a borrower to earn 4000 yuan a month to apply.
3. Liabilities: When applying for a bank loan, the bank will also look at the personal liabilities of the borrower. If there are many outstanding debts in the name, it will inevitably distract the borrower's repayment ability, so the bank will also have requirements for the borrower's debts.
4. Credit conditions: Personal credit plays an important role in applying for personal credit loans. Only users with good personal credit status and no bad records such as overdue will have the opportunity to apply for loans.