1. The applicant is between 18 and 60 years old and has full capacity for civil conduct;

2. The applicant has a stable job and economic income, and has the ability to repay the loan principal and interest on time;

3. Personal credit information is in good condition and there is no record of bad credit information;

4. The applicant has a certain down payment for car purchase and has signed a valid car purchase contract;

5. Other conditions stipulated by the Construction Bank.