To apply for a loan, the following conditions must be met: 1. The borrower must be a citizen of China who has reached the age of 18 and has full capacity for civil conduct.
2. The borrower needs to have a stable job and income, and can guarantee the ability to repay the loan on time.
3. The borrower's credit status is good, and there is no illegal act or bad credit record.
4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided.
5. Other conditions stipulated by the bank.