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; Open a personal settlement account in China Merchants Bank.

At the same time, the most unforgettable thing is that the applicant must meet other conditions stipulated by China Merchants Bank.