People's Republic of China (PRC) citizens with full capacity for civil conduct who have reached the age of 18 but not more than 60 are investors of sole proprietorship enterprises, partners of individual partnerships and individual industrial and commercial households engaged in legal production and operation;
Or the controlling shareholder or actual controller of a limited liability company or a joint stock limited company established in accordance with the Company Law of People's Republic of China (PRC).
Other basic provisions of the loan business are as follows:
Loan term:
The longest non-circulating class is no more than 3 years;
The longest term of revolving credit line is 10 year, and the single term shall not exceed 1 year.
Loan amount: the loan amount of a single household shall not exceed RMB 6,543,800+million;
Loan purpose: used to meet the financing needs of capital turnover in operation;
Guarantee: mortgage, pledge, guarantee and credit;
Repayment methods: including equal principal and interest repayment method, average capital repayment method, one-off principal and interest repayment method at maturity, monthly installment principal and interest repayment method, etc.