1, a citizen of China (excluding Hong Kong, Macao and Taiwan) with full capacity for civil conduct and legal and valid identification.

2. Have a good credit record and willingness to repay.

3. Have a stable source of income and the ability to repay the loan principal and interest in full and on time.

4. There are clear loan purposes.

5, can provide legal, effective and reliable mortgage (pledge) recognized by the bank.

6. Open a personal settlement account in China Industrial and Commercial Bank.

7. Other conditions that meet the requirements of the lending bank.