At least 25 years of age, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

Good credit record, no bad credit record.

Can provide a legal and effective guarantee recognized by the bank.

Benefits of loans:

From the consumer's point of view, it is mainly to meet the consumer's life needs and improve the quality of life;

From the relationship between production and consumption, consumption has a negative effect on production, especially after the economy enters the buyer's market.

Judging from the macro-control policies to stimulate consumption and economic growth, loans have played a driving role from stimulating consumption to stimulating production.