China citizens with permanent residence in China, permanent residence in local towns (or valid residence certificates) and full capacity for civil conduct;

2. Have a proper occupation and stable economic income (monthly salary income should be above 1 000 yuan), and have the ability to repay the loan principal and interest on schedule;

3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;

4. Abide by laws and regulations, and have no illegal acts and bad credit records;

5. Other conditions stipulated by the lender.