1. The applicant has full capacity for civil conduct and has a fixed residence in the place where the loan is handled.

2. The applicant has a stable job and economic income, and has the ability to repay on schedule.

3. The applicant is law-abiding and has no bad credit record.

4. The applicant can provide the guarantee method recognized by the lending institution.

5. The applicant agrees to other conditions stipulated by the lending institution.