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

2. The applicant has a stable residence and can provide relevant proof of address, such as water, electricity and other living expenses;

3. The applicant has paid the down payment for the purchased vehicle and needs to prepare the car purchase contract and agreement;

4. The applicant must have a good credit record;

5. The applicant has a stable job and income, and has the ability and willingness to repay the loan principal and interest on time.