1. A natural person who has reached the age of 2-55 and has full capacity for civil conduct; Have a local permanent residence or long-term residence certificate and a fixed residence.

2. It has a stable and legal income source and the ability to repay the loan principal and interest on schedule, and the annual household income of the borrower is more than 2, yuan; It has a credit rating of BBB or above assessed or recognized by Jiangshan Jinfu Loan.

3. It has a good reputation and no bad credit record in the personal credit information system of Jiangshan Jinfu Loan.

4. Customers with high-quality personal housing loans/provident fund loans must meet the relevant conditions at the same time.

5. The deposit of existing high-quality provident fund to customers must meet the relevant conditions at the same time.

6. In Jiangshan Jinfu loan, there has never been any record of personal loan default or other breach of contract.