1. A natural person who has reached the age of 18, usually under the age of 60, has full capacity for civil conduct.

2. Have valid identity documents, such as the second-generation ID card and household registration book, or have permanent residency or valid residence status in China (Hong Kong, Macao and Taiwan or foreign citizens can also apply).

3. Have a stable job and income, and have the ability to repay the principal and interest on time. This situation usually depends on whether the user's work is stable, whether there is a bank to run on his behalf, and whether there are five insurances and one gold.