Which of the following is NOT typically a condition for obtaining a loan?

In the context of obtaining a loan, being a citizen is not typically a requirement across all lending scenarios, which makes it the correct choice for this question. While some loans, particularly government-sponsored programs, may prioritize citizens or residents, many lenders focus more on financial criteria such as the applicant’s ability to repay rather than their citizenship status alone.

On the other hand, providing a down payment, having a stable income, and maintaining a good credit history are generally essential conditions for securing a loan. These criteria demonstrate an individual's financial responsibility and reliability, influencing lenders' decisions significantly. A down payment reduces the lender's risk, a stable income indicates the ability to repay, and good credit history reflects past financial behavior. Thus, the emphasis on financial qualifications over citizenship makes it clear why citizenship is not a standard condition for obtaining a loan.