1. The borrower is a citizen of People's Republic of China (PRC) with full capacity for civil conduct.

2. The purpose of the loan is clear and legal.

3. The loan application amount, term and currency are reasonable.

4. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record.

5 have a stable economic income and the ability to repay the principal and interest of the loan on time.