What are the requirements for Xinghua Rural Commercial Bank to handle personal loans?

The applicant must be at least 18 years old and have full capacity for civil conduct.

The applicant's credit status is good and there is no bad credit record.

The applicant has a stable and legal job.

The applicant has the ability to repay the principal and interest.

If the loan type applied for is mortgage loan, the applicant shall also provide corresponding collateral and guarantor.