1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and Hong Kong, Macao and Taiwan residents who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate;

3. The borrower has legal business qualifications and can provide business licenses for individual industrial and commercial households, partnerships or enterprise legal persons;

4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank;

6. It can provide legal, effective and reliable loan guarantee recognized by the lender;

7. The borrower opens a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by China Industrial and Commercial Bank.