1. The applicant is between 18 and 60 years old, in good health, has a local household registration or has lived in the local area for one year; has a business license approved by the industrial and commercial department and has passed the annual inspection; and has been operating normally for more than three months. ;Main business place

1. Loan target: Chinese citizens who are over 18 years old and have full capacity for civil conduct, and the sum of the borrower's age and the loan period does not exceed 60 years old;.

2. Loan limit: The maximum credit limit is basically unlimited.

3. Loan term: The loan term is generally 1 to 3 years (inclusive);

4. Loan interest rate: According to the bank’s loan interest rate regulations;

5. Guarantee methods: Guarantees are provided in the form of mortgages, pledges and guarantees, but guarantees provided solely in the form of third-party guarantees are not accepted.

6. Repayment method: If the loan period is within one year, you can adopt the method of monthly interest repayment, equal principal and interest repayment method, equal principal repayment method, and one-time principal repayment method. Methods such as the interest repayment method; if the loan term is more than one year, the equal principal and interest and equal principal repayment methods can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed upon in the loan contract.