个人贷款的借款人申请款期限调整时，须具备的前提条件有（ ）。

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SQL Error: select id,body,options from ***_enewstiku where sourceid='26774' and id < 2227577 and id<>'2227577' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='26774' and id > 2227577 and id<>'2227577' order by id asc limit 5