1. The borrower must be at least 18 years old.

2. The borrower must have full capacity for civil conduct.

3. On the maturity date of the loan, the borrower is no more than 70 years old (inclusive).

4. The borrower must have People's Republic of China (PRC) nationality, and compatriots from Hong Kong, Macao and Taiwan should have lived continuously in the Mainland for more than 1 year, and their main residence should also be in the Mainland.

5. The borrower must have legal and stable economic income.

6. The borrower should have a good credit status.

7. The borrower has the ability to repay the loan principal and interest.

8. Other conditions required by Shanghai Pudong Development Bank.