1. The applicant is between 18-60 years old and has full capacity for civil conduct;
2. Have permanent residence in Tianjin or valid residence certificate;
3. Have a legal and stable source of income and the ability to repay loans;
4. Good credit, and no bad credit record in the recent personal credit report;
If you are not a native of Tianjin, you need to have a real estate in Tianjin.