1. China citizens with permanent residence, fixed residence or valid residence certificate at the place where the loan bank is located, aged over 18 and under 65, with full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Open a personal settlement account in a bank;

7. Other conditions stipulated by the bank.

Information to be provided when applying for a loan:

Conditions to be met when applying for a loan:

1. A citizen of China who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is over 18 and under 65, and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Open a personal settlement account;

7. Other conditions stipulated by the bank.

The process of applying for a loan:

1. The borrower applies for a loan from the local branch and submits relevant materials;

2. Local branches accept and conduct credit surveys;

3. The local branch conducts risk assessment and loan review, and gives a reply;

4. Sign a loan contract and approve the loan;

5. Loan issuance;

6. Payment management (independent payment by the borrower or entrusted payment by the lender);

7. Post-loan management and risk assessment.