1. The applicant has a stable job and income, and has sufficient repayment ability to ensure that the arrears can be corrected every month.

2. The applicant has a legal status in China and provides his/her resident identity card to the bank. The applicant's certificate must be legal.

3. The applicant requires good credit information and cannot violate the contract. The better the applicant's credit information, the easier it is to get a loan.

4. The applicant shall present all other materials required by the bank.