1. The borrower has full capacity for civil conduct, that is, he can provide valid identity documents to prove the identity of the borrower.
2. The ability to repay the loan principal and interest requires the borrower's income certificate.
3. Personal credit records are well preserved.
4. If there is a certain down payment, the borrower shall also provide a down payment certificate of more than 50% of the house price of the purchased store.
5. Other requirements of the Bank.