1. Age requirement: The borrower must be over 18 years old and not over 55 years old when the loan expires.

2. Capacity for civil conduct and residence requirements: The borrower must have full capacity for civil conduct and have local permanent residence and permanent residence.

3. Credit record: The borrower should have a good credit record and no bad credit record.

4. Repayment ability: The borrower should have sufficient repayment ability and a stable source of economic income to ensure timely repayment.

5. Other conditions: The borrower shall agree to other conditions proposed by the bank, which shall be determined according to the specific circumstances, involving loan purposes, guarantee requirements, etc.