1. The applicant must have a permanent residence in the bank and provide a valid residence certificate.

2. The applicant's personal credit information should be good, and there is no record of bad credit information.

3. Have a stable job and a legitimate income.

4. The applicant must be at least 18 years old and have full capacity for civil conduct.

5. Meet other conditions stipulated by the bank.

Extended data

First, the repayment method

1, equal principal and interest, average capital, and one-time repayment of principal and interest at monthly interest.

2. One-time repayment of principal and interest with monthly interest is only applicable to loans with a single amount of less than 300,000 yuan (including 300,000 yuan) within one year (including one year).

Second, the product features

Widely used: can be used for their own or family car purchase, decoration, tourism, education and other consumer purposes;

Flexible withdrawal: "one-time application, revolving line", within which the revolving loan can be withdrawn many times;

High amount: the maximum loan amount can reach 5 million yuan;

Long-term: the longest line can reach 13 years.