1. Applicant 18-60 years old, with full capacity for civil conduct;

2. The applicant has a local account in the place where the loan is applied for, or has lived there for more than one year;

3. Have a fixed residence, stable working income, good personal credit and good repayment ability;

4. The applicant must be the owner, owner or the spouse of the owner who renovated the house. Apply for housing consumption loans to decorate the housing area should be more than 50 square meters (inclusive), and the age of the house should not exceed 20 years.