(1) Having a fixed residence at the place where the bank is located, and having a fixed residence or valid residence certificate;

(2) It has a good credit record and willingness to repay, a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(3) It can provide legal, effective and reliable guarantee recognized by the bank;

(4) Having opened a personal settlement account in a bank;

(5) Other conditions stipulated by the bank.