(a) at least 18 years old and not more than 60 years old, with China nationality, full capacity for civil conduct, and holding legal and valid identity documents;

(2) The borrower and spouse meet the credit record conditions stipulated in the Measures for the Administration of Personal Loans;

(3) Having a fixed residence or a stable work unit;

(4) If the loan is used for consumer purposes, the credit score shall be above 580 (inclusive); If the loan is used for business purposes, the credit score shall be above 465 (inclusive);

(five) stable income, with the ability to repay credit on schedule;

(six) the purpose of the loan is reasonable and clear;

(7) Opening a personal settlement account in the Agricultural Bank.

Note: The specific business type, handling process and handling conditions are subject to the relevant regulations of local branches.