Applicants are between 22 and 50 years old and can submit personal information such as ID cards. The conditions for applying for Jixianghua loan are that the applicant is between 22 and 50 years old, can submit personal identification information such as ID card, has a stable source of work and income, has no bad credit record, has a certain repayment ability, has a sesame score of not less than 650 points or has a user with a provident fund real estate auto insurance policy under his name.