1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;

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

6. Other conditions stipulated by the bank.

In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:

(1) Senior and middle-level managers and senior professional and technical personnel of ICBC's quality company customers;

(2) Personal assets of more than 2 million yuan (inclusive);

(3) Peony Platinum Card customers;

(4) Holding the personal finance account of China Industrial and Commercial Bank 1 year (inclusive) or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);

(5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).